Flood Claims Map

Kentucky

Flood insurance claims in Campbell County, Kentucky

FEMA records 450 National Flood Insurance Program claims in Campbell County, Kentucky, since 1978, with $5.8 million paid in total. The year with the most claims was 1997, with 194. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 37.4% of homes in the high-risk flood zone did.

NFIP claims on record450
Total paid$5.8 million
Claims with a payment374
Homes with NFIP policy1.2%
High-risk zone homes insured37.4%
Residential policies in force335

Claims by year of loss

1978: 2919781979: 281980: 21981: 21982: 619821983: 11984: 01985: 21986: 119861987: 11988: 01989: 11990: 619901991: 51992: 01993: 41994: 219941995: 21996: 151997: 1941998: 719981999: 02000: 32001: 32002: 220022003: 162004: 22005: 82006: 220062007: 12008: 32009: 12010: 620102011: 112012: 02013: 22014: 020142015: 72016: 182017: 12018: 2720182019: 22020: 22021: 52022: 120222023: 02024: 12025: 18194

NFIP claims by year of loss, Campbell County, Kentucky

1978: $18,50719781979: $43,0411980: $2,0391981: $1,3941982: $7,98819821983: $6,6281984: $01985: $4,4461986: $019861987: $3,4501988: $01989: $3,5991990: $19,95519901991: $47,7881992: $01993: $16,9711994: $41,77519941995: $4,2421996: $144,6301997: $2.5 million1998: $67,83519981999: $02000: $50,2352001: $2,3502002: $37,14620022003: $84,1362004: $02005: $119,7632006: $8,94220062007: $02008: $15,1502009: $9,0622010: $40,90220102011: $183,3492012: $02013: $154,9182014: $020142015: $162,4972016: $127,5862017: $2,0952018: $726,27920182019: $47,8592020: $48,2092021: $164,6132022: $31,91620222023: $02024: $28,3192025: $817,003$2.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding192
Not a named storm43
Central U.S. April Flooding16
Mid-spring storms1
February Kentucky Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
41085134
4107499
4107380
4105964
4100727
4107118
4107618
410016
410062
410752

364 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.4 million, contents $396,950, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone79429737.4%
All homes27,3083351.2%

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.