Flood Claims Map

Kentucky

Flood insurance claims in Franklin County, Kentucky

FEMA records 1,518 National Flood Insurance Program claims in Franklin County, Kentucky, since 1978, with $32.0 million paid in total. The year with the most claims was 1989, with 394. As of 3 August 2026, 1.4% of homes here had an NFIP policy, and 41.9% of homes in the high-risk flood zone did.

NFIP claims on record1,518
Total paid$32.0 million
Claims with a payment1,303
Homes with NFIP policy1.4%
High-risk zone homes insured41.9%
Residential policies in force262

Claims by year of loss

1978: 14319781979: 71980: 01981: 11982: 019821983: 11984: 1591985: 21986: 419861987: 11988: 21989: 3941990: 1619901991: 41992: 11993: 01994: 4019941995: 61996: 21997: 2771998: 419981999: 02000: 22001: 02002: 720022003: 72004: 22005: 02006: 1720062007: 02008: 82009: 02010: 18420102011: 62012: 02013: 22014: 220142015: 302016: 12017: 12018: 720182019: 02020: 02021: 452022: 020222023: 02024: 02025: 133394

NFIP claims by year of loss, Franklin County, Kentucky

1978: $2.0 million19781979: $20,7891980: $01981: $6551982: $019821983: $2531984: $288,7151985: $01986: $47,94219861987: $01988: $10,4661989: $3.5 million1990: $75,84219901991: $4,4751992: $11,2361993: $01994: $171,48719941995: $24,5411996: $26,5341997: $4.5 million1998: $4,31719981999: $02000: $14,1782001: $02002: $22,94120022003: $16,7002004: $5,3462005: $02006: $301,65720062007: $02008: $186,1302009: $02010: $5.5 million20102011: $27,2242012: $02013: $17,0652014: $4,75320142015: $505,7112016: $02017: $1,1242018: $54,26220182019: $02020: $02021: $740,7692022: $020222023: $02024: $02025: $13.9 million$13.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding827
Not a named storm142
Central U.S. April Flooding120
February Kentucky Flooding13
Mid-spring storms5
Tropical Storm Fred2
Heavy rains2

ZIP codes with the most claims

ZIP code (as reported)Claims
406011,482
4060224
403832
406121

1,180 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $27.9 million, contents $4.0 million, increased cost of compliance $40,945.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone52522041.9%
All homes18,1342621.4%

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.