Flood history · Harlan, KY 40831
Flood insurance claims in Harlan, KY 40831
109 claims since 1978 and $557,341 paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 40831 since 1978.
What the record says
83% of claims were on properties in high-risk zones and 17% outside them.
Losses are spread across many events; the largest, Unnamed flooding, accounts for 36% of claims.
7 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1984 | 39 | 36% |
| February Kentucky Flooding | 2025 | 1 | 1% |
| Heavy rains | 2004 | 1 | 1% |
| Mid-spring storms | 2011 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Harlan County
Flood, hurricane and storm declarations since 2000.
17 flood, storm or hurricane declarations for Harlan County since 2000.
Check a specific address in Harlan.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
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.