Flood Claims Map

Kentucky

Flood insurance claims in Bell County, Kentucky

FEMA records 566 National Flood Insurance Program claims in Bell County, Kentucky, since 1978, with $7.4 million paid in total. The year with the most claims was 2011, with 119. As of 3 August 2026, 1.7% of homes here had an NFIP policy, and 10.9% of homes in the high-risk flood zone did.

NFIP claims on record566
Total paid$7.4 million
Claims with a payment448
Homes with NFIP policy1.7%
High-risk zone homes insured10.9%
Residential policies in force171

Claims by year of loss

1978: 319781979: 11980: 11981: 61982: 319821983: 21984: 711985: 01986: 119861987: 11988: 21989: 281990: 1219901991: 281992: 01993: 301994: 5419941995: 01996: 221997: 121998: 3419981999: 12000: 02001: 02002: 4720022003: 172004: 02005: 02006: 020062007: 02008: 02009: 02010: 120102011: 1192012: 02013: 02014: 120142015: 62016: 12017: 32018: 1020182019: 42020: 172021: 192022: 120222023: 02024: 02025: 72026: 12026119

NFIP claims by year of loss, Bell County, Kentucky

1978: $4,37319781979: $01980: $01981: $5,5751982: $48219821983: $01984: $328,0741985: $01986: $019861987: $01988: $01989: $169,0731990: $33,11119901991: $116,8481992: $01993: $301,9831994: $315,66219941995: $01996: $334,5161997: $161,8411998: $663,01819981999: $02000: $02001: $02002: $436,58020022003: $27,7662004: $02005: $02006: $020062007: $02008: $02009: $02010: $14,08620102011: $3.1 million2012: $02013: $02014: $2,66420142015: $63,5862016: $02017: $1,5592018: $101,17920182019: $14,9602020: $501,1322021: $576,2682022: $5,14420222023: $02024: $02025: $72,8642026: $02026$3.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding93
February Kentucky Flooding7

ZIP codes with the most claims

ZIP code (as reported)Claims
40965328
40977117
4093976
4090220
4081312
409882
408452
409932
408121
409571

450 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.4 million, contents $1.9 million, increased cost of compliance $47,098.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,34914710.9%
All homes10,3141711.7%

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.