Flood insurance claims in Fulton County, Kentucky

FEMA records 25 National Flood Insurance Program claims in Fulton County, Kentucky, since 1979, with $591,013 paid in total. The year with the most claims was 2006, with 8. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 9.5% of homes in the high-risk flood zone did.

NFIP claims on record25

Total paid$591,013

Claims with a payment22

Homes with NFIP policy0.4%

High-risk zone homes insured9.5%

Residential policies in force14

Claims by year of loss

NFIP claims by year of loss, Fulton County, Kentucky

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

ZIP codes with the most claims

ZIP code (as reported)	Claims
42041	19
42050	6

18 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $332,724, contents $258,289, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	137	13	9.5%
All homes	3,114	14	0.4%

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

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.