Flood Claims Map

Kentucky

Flood insurance claims in Carter County, Kentucky

FEMA records 449 National Flood Insurance Program claims in Carter County, Kentucky, since 1978, with $9.0 million paid in total. The year with the most claims was 2003, with 105. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 12.1% of homes in the high-risk flood zone did.

NFIP claims on record449
Total paid$9.0 million
Claims with a payment386
Homes with NFIP policy1.3%
High-risk zone homes insured12.1%
Residential policies in force147

Claims by year of loss

1978: 1219781979: 21980: 01981: 01982: 119821983: 11984: 01985: 01986: 019861987: 01988: 01989: 81990: 119901991: 51992: 01993: 11994: 019941995: 01996: 01997: 631998: 019981999: 02000: 22001: 12002: 5820022003: 1052004: 122005: 02006: 420062007: 02008: 32009: 02010: 9820102011: 12012: 62013: 02014: 020142015: 262016: 12017: 212018: 420182019: 02020: 22021: 72022: 020222023: 02024: 12025: 3105

NFIP claims by year of loss, Carter County, Kentucky

1978: $64,21319781979: $01980: $01981: $01982: $41719821983: $5181984: $01985: $01986: $019861987: $01988: $01989: $20,8121990: $2,58419901991: $4,7691992: $01993: $4081994: $019941995: $01996: $01997: $1.1 million1998: $019981999: $02000: $17,1602001: $5,4722002: $1.2 million20022003: $1.5 million2004: $113,2252005: $02006: $49,14920062007: $02008: $14,4532009: $02010: $3.2 million20102011: $02012: $432,6792013: $02014: $020142015: $733,8312016: $14,8212017: $305,9812018: $142,92220182019: $02020: $02021: $75,9792022: $020222023: $02024: $5,9372025: $96,541$3.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding72
Not a named storm12

ZIP codes with the most claims

ZIP code (as reported)Claims
41164232
41143125
4114647
4116822
4118114
411324
411802
411422

278 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.2 million, contents $1.6 million, increased cost of compliance $322,854.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone90210912.1%
All homes11,6491471.3%

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.