Flood Claims Map

Kentucky

Flood insurance claims in Fayette County, Kentucky

FEMA records 457 National Flood Insurance Program claims in Fayette County, Kentucky, since 1978, with $5.4 million paid in total. The year with the most claims was 1992, with 54. As of 3 August 2026, 0.4% of homes here had an NFIP policy.

NFIP claims on record457
Total paid$5.4 million
Claims with a payment363
Homes with NFIP policy0.4%
High-risk zone homes insuredn/a
Residential policies in force365

Claims by year of loss

1978: 2419781979: 121980: 21981: 21982: 319821983: 81984: 351985: 01986: 019861987: 01988: 01989: 131990: 219901991: 31992: 541993: 61994: 319941995: 41996: 131997: 461998: 2919981999: 02000: 52001: 02002: 520022003: 162004: 132005: 02006: 3920062007: 32008: 282009: 02010: 3620102011: 22012: 02013: 32014: 120142015: 142016: 02017: 22018: 420182019: 62020: 02021: 52022: 120222023: 22024: 12025: 82026: 4202654

NFIP claims by year of loss, Fayette County, Kentucky

1978: $332,53419781979: $127,4661980: $1701981: $4881982: $77219821983: $5,9971984: $361,1961985: $01986: $019861987: $01988: $01989: $60,1281990: $1,28719901991: $11,7261992: $340,4341993: $61,3161994: $3,44519941995: $6,8841996: $107,6951997: $276,6011998: $169,60819981999: $02000: $132,3842001: $02002: $100,13320022003: $215,3242004: $82,9222005: $02006: $999,07220062007: $12,9802008: $162,9592009: $02010: $773,06120102011: $1,7462012: $02013: $25,0292014: $4,35820142015: $116,2792016: $02017: $6,0622018: $5,04920182019: $86,0402020: $02021: $401,4492022: $020222023: $16,7312024: $02025: $289,9062026: $138,2002026$999,072

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding83
Not a named storm21
Heavy rains11
Central U.S. April Flooding4
February Kentucky Flooding4
Hurricane Helene1

ZIP codes with the most claims

ZIP code (as reported)Claims
40504115
4050391
4051562
4050245
4050543
4051736
4051122
405168
405108
405096

235 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.2 million, contents $1.2 million, increased cost of compliance $28,237.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0216n/a
All homes103,3863650.4%

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.