Flood Claims Map

Kentucky

Flood insurance claims in Bourbon County, Kentucky

FEMA records 395 National Flood Insurance Program claims in Bourbon County, Kentucky, since 1978, with $6.5 million paid in total. The year with the most claims was 2015, with 73. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 25.8% of homes in the high-risk flood zone did.

NFIP claims on record395
Total paid$6.5 million
Claims with a payment365
Homes with NFIP policy0.9%
High-risk zone homes insured25.8%
Residential policies in force81

Claims by year of loss

1978: 2319781979: 201980: 11981: 01982: 019821983: 51984: 01985: 01986: 019861987: 01988: 01989: 221990: 1319901991: 11992: 01993: 01994: 019941995: 51996: 11997: 661998: 1819981999: 02000: 02001: 02002: 720022003: 12004: 232005: 02006: 320062007: 02008: 182009: 12010: 4820102011: 242012: 02013: 02014: 120142015: 732016: 02017: 02018: 220182019: 22020: 142021: 02022: 020222023: 02024: 02025: 373

NFIP claims by year of loss, Bourbon County, Kentucky

1978: $102,35519781979: $55,2091980: $01981: $01982: $019821983: $18,1421984: $01985: $01986: $019861987: $01988: $01989: $98,0011990: $50,28719901991: $4,9721992: $01993: $01994: $019941995: $4,3501996: $2,0351997: $1.7 million1998: $117,34919981999: $02000: $02001: $02002: $45,63820022003: $11,3062004: $235,3532005: $02006: $15,95420062007: $02008: $225,8532009: $7,8092010: $1.1 million20102011: $287,2822012: $02013: $02014: $020142015: $2.1 million2016: $02017: $02018: $30,39720182019: $2,7422020: $196,6162021: $02022: $020222023: $02024: $02025: $3,699$2.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding99
Not a named storm23
Heavy rains21
Central U.S. April Flooding2
February Kentucky Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
40361380
4034813
405161
403621

283 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.5 million, contents $873,160, increased cost of compliance $53,850.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2406225.8%
All homes9,226810.9%

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.