Flood Claims Map

Kentucky

Flood insurance claims in Boyd County, Kentucky

FEMA records 462 National Flood Insurance Program claims in Boyd County, Kentucky, since 1978, with $7.1 million paid in total. The year with the most claims was 2002, with 59. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 15.5% of homes in the high-risk flood zone did.

NFIP claims on record462
Total paid$7.1 million
Claims with a payment406
Homes with NFIP policy0.9%
High-risk zone homes insured15.5%
Residential policies in force207

Claims by year of loss

1978: 1419781979: 121980: 41981: 11982: 119821983: 11984: 51985: 01986: 019861987: 11988: 01989: 61990: 1419901991: 31992: 21993: 01994: 119941995: 01996: 51997: 461998: 919981999: 02000: 232001: 152002: 5920022003: 112004: 352005: 12006: 720062007: 12008: 12009: 342010: 4420102011: 332012: 52013: 42014: 1220142015: 52016: 62017: 62018: 320182019: 02020: 22021: 142022: 020222023: 12024: 22025: 122026: 1202659

NFIP claims by year of loss, Boyd County, Kentucky

1978: $43,69319781979: $131,2651980: $5,6151981: $1,5811982: $1,89219821983: $4,8491984: $20,3811985: $01986: $019861987: $1,3121988: $01989: $101,0401990: $163,85819901991: $25,8561992: $11,9681993: $01994: $32,36619941995: $01996: $20,1721997: $798,1291998: $48,39719981999: $02000: $277,2112001: $191,7122002: $1.1 million20022003: $117,8782004: $655,1952005: $5672006: $39,74620062007: $1,3672008: $4,8062009: $569,5652010: $512,25420102011: $289,6722012: $14,8162013: $15,2132014: $53,37820142015: $57,3272016: $28,6982017: $864,1872018: $46,40220182019: $02020: $43,0332021: $273,4172022: $020222023: $132,6332024: $7,1252025: $389,1492026: $7,2222026$1.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding56
Mid-spring storms26
Not a named storm13
Heavy rains2
Central U.S. April Flooding1
February Kentucky Flooding1
Hurricane Helene1

ZIP codes with the most claims

ZIP code (as reported)Claims
41102300
4112966
4110148
4116837
411059
411141
411211

225 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.0 million, contents $2.0 million, increased cost of compliance $89,802.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,15017815.5%
All homes23,6382070.9%

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.