Flood insurance claims in Henry County, Kentucky

FEMA records 32 National Flood Insurance Program claims in Henry County, Kentucky, since 1989, with $574,523 paid in total. The year with the most claims was 1997, with 14. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 28.6% of homes in the high-risk flood zone did.

NFIP claims on record32

Total paid$574,523

Claims with a payment29

Homes with NFIP policy0.5%

High-risk zone homes insured28.6%

Residential policies in force28

Claims by year of loss

NFIP claims by year of loss, Henry County, Kentucky

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	17
Central U.S. April Flooding	3
Heavy rains	3

ZIP codes with the most claims

ZIP code (as reported)	Claims
40036	17
40057	5
40050	4
40070	3
40068	2
40011	1

23 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $480,904, contents $93,619, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	84	24	28.6%
All homes	5,957	28	0.5%

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.