Flood insurance claims in Gallatin County, Kentucky

FEMA records 33 National Flood Insurance Program claims in Gallatin County, Kentucky, since 1979, with $458,026 paid in total. The year with the most claims was 2025, with 13. As of 3 August 2026, 1.7% of homes here had an NFIP policy, and 24.7% of homes in the high-risk flood zone did.

NFIP claims on record33

Total paid$458,026

Claims with a payment25

Homes with NFIP policy1.7%

High-risk zone homes insured24.7%

Residential policies in force53

Claims by year of loss

NFIP claims by year of loss, Gallatin County, Kentucky

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

Named flood events with the most claims

Event (FEMA name)	Claims
Central U.S. April Flooding	11
Flooding	2
February Kentucky Flooding	1
Heavy rains	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
41095	21
41086	12

31 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $410,703, contents $47,323, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	190	47	24.7%
All homes	3,107	53	1.7%

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.