Flood history · Kentucky
Flood insurance claims in Kentucky
26,895 claims and $512.4 million paid since 1978. Find your ZIP code.
26,895claims since 1978
$512.4 millionpaid to policyholders
105ZIP codes with 50+ claims
Claims by year
Biggest flood events
| Event (top events per ZIP) | Year | Claims |
|---|---|---|
| Unnamed flooding | 1989 | 7,520 |
| Central U.S. April Flooding | 2025 | 1,097 |
| February Kentucky Flooding | 2025 | 978 |
| Not a named storm | 1978 | 963 |
| Mid-spring storms | 2011 | 642 |
| Late July Flooding | 2022 | 454 |
| Storm | 2009 | 425 |
| Heavy rains | 2004 | 320 |
Kentucky ZIP codes by flood claims
ZIP codes with at least 50 claims. Select one for its full history.
| ZIP | Place | County | Claims | Paid | Last 10 yrs |
|---|---|---|---|---|---|
| 40601 | Frankfort | Franklin | 1,649 | $38.3 million | 244 |
| 40059 | Prospect | Jefferson | 1,615 | $42.1 million | 518 |
| 42240 | Hopkinsville | Christian | 968 | $20.3 million | 96 |
| 41501 | Pikeville | Pike | 876 | $21.8 million | 208 |
| 40207 | Louisville | Jefferson | 718 | $21.6 million | 141 |
| 40214 | Louisville | Jefferson | 671 | $8.1 million | 11 |
| 41144 | Greenup | Greenup | 608 | $9.5 million | 150 |
| 40219 | Louisville | Jefferson | 508 | $8.8 million | 33 |
| 41514 | Belfry | Pike | 506 | $12.1 million | 100 |
| 40218 | Louisville | Jefferson | 499 | $7.6 million | 53 |
| 41653 | Prestonsburg | Floyd | 436 | $6.4 million | 113 |
| 41701 | Hazard | Perry | 433 | $6.2 million | 85 |
| 41649 | Martin | Floyd | 429 | $6.3 million | 39 |
| 40216 | Louisville | Jefferson | 394 | $2.4 million | 22 |
| 40361 | Paris | Bourbon | 383 | $6.2 million | 24 |
| 40213 | Louisville | Jefferson | 348 | $5.8 million | 26 |
| 40383 | Versailles | Woodford | 342 | $10.0 million | 77 |
| 40177 | West Point | Hardin | 342 | $7.8 million | 129 |
| 40965 | Middlesboro | Bell | 328 | $5.5 million | 33 |
| 41630 | Garrett | Floyd | 308 | $3.8 million | 65 |
| 41102 | Ashland | Boyd | 300 | $4.9 million | 21 |
| 40222 | Louisville | Jefferson | 289 | $4.8 million | 17 |
| 40391 | Winchester | Clark | 280 | $6.0 million | 76 |
| 40351 | Morehead | Rowan | 271 | $4.7 million | 33 |
| 41666 | Wayland | Floyd | 270 | $3.9 million | 73 |
| 40118 | Fairdale | Jefferson | 264 | $2.5 million | 33 |
| 42420 | Henderson | Henderson | 246 | $3.5 million | 18 |
| 41164 | Olive Hill | Carter | 232 | $5.4 million | 13 |
| 40165 | Shepherdsville | Bullitt | 232 | $3.6 million | 44 |
| 41465 | Salyersville | Magoffin | 227 | $2.6 million | 45 |
| 40205 | Louisville | Jefferson | 212 | $2.2 million | 14 |
| 42301 | Owensboro | Daviess | 200 | $2.2 million | 52 |
| 41224 | Inez | Martin | 181 | $2.1 million | 41 |
| 41645 | Langley | Floyd | 172 | $2.6 million | 43 |
| 41339 | Jackson | Breathitt | 165 | $5.5 million | 100 |
| 40330 | Harrodsburg | Mercer | 165 | $4.4 million | 24 |
| 42003 | Paducah | McCracken | 165 | $5.2 million | 72 |
| 41240 | Paintsville | Johnson | 157 | $2.1 million | 36 |
| 41040 | Falmouth | Pendleton | 155 | $4.6 million | 18 |
| 42701 | Elizabethtown | Hardin | 141 | $3.0 million | 43 |
| 41503 | South Williamson | Pike | 139 | $3.8 million | 19 |
| 41031 | Cynthiana | Harrison | 139 | $3.6 million | 12 |
| 41085 | Silver Grove | Campbell | 134 | $948,441 | 18 |
| 41143 | Grayson | Carter | 128 | $2.2 million | 16 |
| 40150 | Lebanon Junction | Bullitt | 128 | $2.9 million | 28 |
| 42451 | Reed | Henderson | 123 | $2.6 million | 57 |
| 41016 | Covington | Kenton | 122 | $1.2 million | 34 |
| 41640 | Hueysville | Floyd | 118 | $1.3 million | 26 |
| 40977 | Pineville | Bell | 117 | $857,646 | 19 |
| 40504 | Lexington | Fayette | 115 | $1.1 million | 5 |
| 41601 | Allen | Floyd | 113 | $1.7 million | 17 |
| 41002 | Augusta | Bracken | 111 | $1.9 million | 10 |
| 40831 | Harlan | Harlan | 109 | $557,341 | 7 |
| 40220 | Louisville | Jefferson | 109 | $282,698 | 6 |
| 40272 | Louisville | Jefferson | 106 | $934,192 | 8 |
| 40027 | Harrods Creek | Jefferson | 101 | $2.2 million | 7 |
| 40390 | Wilmore | Jessamine | 101 | $3.0 million | 30 |
| 41074 | Dayton | Campbell | 100 | $2.2 million | 17 |
| 41822 | Hindman | Knott | 99 | $3.7 million | 37 |
| 42001 | Paducah | McCracken | 98 | $2.1 million | 7 |
| 41647 | Mc Dowell | Floyd | 97 | $2.3 million | 18 |
| 41572 | Virgie | Pike | 95 | $2.7 million | 65 |
| 41635 | Harold | Floyd | 95 | $831,100 | 17 |
| 40312 | Clay City | Powell | 94 | $1.3 million | 30 |
| 42303 | Owensboro | Daviess | 92 | $946,072 | 17 |
| 41858 | Whitesburg | Letcher | 91 | $4.2 million | 60 |
| 40503 | Lexington | Fayette | 91 | $686,565 | 4 |
| 40371 | Salt Lick | Bath | 89 | $948,456 | 26 |
| 41231 | Lovely | Martin | 86 | $1.0 million | 25 |
| 41179 | Vanceburg | Lewis | 85 | $1.6 million | 2 |
| 41073 | Bellevue | Campbell | 80 | $398,046 | 6 |
| 40939 | Fourmile | Knox | 79 | $605,719 | 4 |
| 40515 | Lexington | Fayette | 79 | $2.1 million | 16 |
| 41528 | Freeburn | Pike | 79 | $397,569 | 2 |
| 40206 | Louisville | Jefferson | 77 | $3.0 million | 24 |
| 40475 | Richmond | Madison | 76 | $2.4 million | 32 |
| 40258 | Louisville | Jefferson | 75 | $180,242 | 3 |
| 41655 | Printer | Floyd | 74 | $626,540 | 23 |
| 40077 | Westport | Oldham | 73 | $1.9 million | 27 |
| 40806 | Baxter | Harlan | 72 | $261,281 | 5 |
| 40324 | Georgetown | Scott | 69 | $1.4 million | 12 |
| 40353 | Mount Sterling | Montgomery | 68 | $1.7 million | 14 |
| 41643 | Lackey | Floyd | 67 | $686,726 | 6 |
| 41129 | Catlettsburg | Boyd | 67 | $790,216 | 6 |
| 42327 | Calhoun | McLean | 65 | $831,688 | 16 |
| 40107 | Boston | Nelson | 65 | $2.2 million | 20 |
| 41059 | Melbourne | Campbell | 64 | $1.2 million | 5 |
| 42066 | Mayfield | Graves | 64 | $1.1 million | 18 |
| 40359 | Owenton | Owen | 64 | $1.0 million | 7 |
| 41101 | Ashland | Boyd | 63 | $590,420 | 6 |
| 40356 | Nicholasville | Jessamine | 62 | $1.1 million | 3 |
| 41017 | Ft Mitchell | Kenton | 61 | $379,000 | 8 |
| 42101 | Bowling Green | Warren | 60 | $1.8 million | 18 |
| 40026 | Goshen | Oldham | 59 | $2.4 million | 22 |
| 41168 | Rush | Boyd | 59 | $865,136 | 16 |
| 40299 | Louisville | Jefferson | 57 | $957,879 | 7 |
| 41008 | Carrollton | Carroll | 57 | $1.4 million | 25 |
| 41267 | Warfield | Martin | 54 | $1.7 million | 10 |
| 42371 | Rumsey | McLean | 54 | $658,367 | 5 |
| 41562 | Shelbiana | Pike | 52 | $1.3 million | 12 |
| 40854 | Loyall | Harlan | 52 | $99,388 | 0 |
| 40906 | Barbourville | Knox | 50 | $358,734 | 10 |
| 41146 | Hitchins | Carter | 50 | $651,995 | 0 |
| 41619 | Drift | Floyd | 50 | $465,818 | 5 |
| 41544 | Mc Carr | Pike | 50 | $436,555 | 9 |
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Official FEMA flood zone, elevation and claims history for one property.
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.