Flood Claims Map

Kentucky

Flood insurance claims in Adair County, Kentucky

FEMA records 1 National Flood Insurance Program claims in Adair County, Kentucky, since 2017, with $37,186 paid in total. The year with the most claims was 2017, with 1. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 6.7% of homes in the high-risk flood zone did.

NFIP claims on record1
Total paid$37,186
Claims with a payment1
Homes with NFIP policy0.2%
High-risk zone homes insured6.7%
Residential policies in force16

Claims by year of loss

2017: 120171

NFIP claims by year of loss, Adair County, Kentucky

2017: $37,1862017$37,186

Paid on claims by year of loss (building, contents and increased cost of compliance), Adair County, Kentucky

ZIP codes with the most claims

ZIP code (as reported)Claims
427281

1 of the claims was on properties rated in a high-risk flood zone (zones starting A or V). Building $37,186, contents $0, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone163116.7%
All homes10,434160.2%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.