Flood Claims Map

Kentucky

Flood insurance claims in Jefferson County, Kentucky

FEMA records 5,557 National Flood Insurance Program claims in Jefferson County, Kentucky, since 1978, with $98.8 million paid in total. The year with the most claims was 1997, with 1,560. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 52.8% of homes in the high-risk flood zone did.

NFIP claims on record5,557
Total paid$98.8 million
Claims with a payment4,445
Homes with NFIP policy1.2%
High-risk zone homes insured52.8%
Residential policies in force2,982

Claims by year of loss

1978: 19419781979: 1631980: 91981: 111982: 2319821983: 1311984: 131985: 181986: 319861987: 101988: 51989: 1011990: 10819901991: 681992: 381993: 171994: 6519941995: 311996: 1491997: 1,5601998: 1219981999: 482000: 862001: 122002: 3320022003: 262004: 722005: 672006: 28720062007: 132008: 912009: 3272010: 2620102011: 2582012: 162013: 2122014: 520142015: 5872016: 32017: 82018: 28920182019: 442020: 142021: 272022: 220222023: 122024: 32025: 2512026: 920261,560

NFIP claims by year of loss, Jefferson County, Kentucky

1978: $734,50419781979: $323,5101980: $8,1511981: $1,1191982: $21,90319821983: $291,1821984: $32,8171985: $71,1531986: $019861987: $24,4651988: $01989: $407,3521990: $652,58419901991: $410,7941992: $130,2411993: $129,5061994: $312,39519941995: $172,3441996: $994,5451997: $29.4 million1998: $118,30419981999: $236,7142000: $490,9852001: $251,4792002: $164,57820022003: $344,8162004: $734,1492005: $964,7962006: $5.6 million20062007: $7,9362008: $742,7892009: $3.3 million2010: $89,09220102011: $5.0 million2012: $111,8472013: $4.6 million2014: $35,02820142015: $12.7 million2016: $02017: $23,6142018: $13.6 million20182019: $757,5442020: $112,1392021: $571,1222022: $168,09020222023: $69,6702024: $4,5622025: $13.8 million2026: $68,7282026$29.4 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding1,693
Late summer storms309
Not a named storm201
Mid-spring storms172
Central U.S. April Flooding172
February Kentucky Flooding55
March storm32
Early winter storms7

ZIP codes with the most claims

ZIP code (as reported)Claims
40207698
40059689
40214671
40219508
40218499
40216394
40213348
40222286
40118264
40205212

4,303 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $87.3 million, contents $11.3 million, increased cost of compliance $215,316.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone4,5952,42852.8%
All homes243,5832,9821.2%

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.