Flood Claims Map

Kentucky

Flood insurance claims in Johnson County, Kentucky

FEMA records 309 National Flood Insurance Program claims in Johnson County, Kentucky, since 1978, with $5.2 million paid in total. The year with the most claims was 1984, with 84. As of 3 August 2026, 2.3% of homes here had an NFIP policy, and 13.6% of homes in the high-risk flood zone did.

NFIP claims on record309
Total paid$5.2 million
Claims with a payment242
Homes with NFIP policy2.3%
High-risk zone homes insured13.6%
Residential policies in force211

Claims by year of loss

1978: 419781979: 21980: 11981: 21982: 219821983: 01984: 841985: 01986: 119861987: 01988: 11989: 01990: 119901991: 01992: 01993: 01994: 019941995: 01996: 01997: 21998: 319981999: 02000: 02001: 02002: 120022003: 212004: 232005: 22006: 420062007: 12008: 02009: 42010: 020102011: 42012: 22013: 02014: 1920142015: 272016: 12017: 22018: 420182019: 302020: 22021: 372022: 620222023: 32024: 02025: 1384

NFIP claims by year of loss, Johnson County, Kentucky

1978: $1,96619781979: $3,4661980: $01981: $3,8661982: $1,84819821983: $01984: $549,4221985: $01986: $019861987: $01988: $4021989: $01990: $73819901991: $01992: $01993: $01994: $019941995: $01996: $01997: $6,2341998: $26,88719981999: $02000: $02001: $02002: $020022003: $107,6252004: $707,2902005: $7,0552006: $46,07420062007: $02008: $02009: $22,4162010: $020102011: $97,2202012: $3,1962013: $02014: $450,36420142015: $759,9912016: $02017: $10,4432018: $23,99220182019: $1.2 million2020: $22,1272021: $757,3312022: $17,07820222023: $14,1712024: $02025: $439,144$1.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding87
Heavy rains22
February Kentucky Flooding11
Late July Flooding4
Storm4
Mid-spring storms3
Not a named storm3
Central U.S. April Flooding2

ZIP codes with the most claims

ZIP code (as reported)Claims
41240156
4126534
4122232
4125617
4123814
4121911
4121610
412557
412747
412685

214 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.4 million, contents $801,194, increased cost of compliance $28,425.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,42319313.6%
All homes9,1512112.3%

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.