Flood Claims Map

Kentucky

Flood insurance claims in Kenton County, Kentucky

FEMA records 286 National Flood Insurance Program claims in Kenton County, Kentucky, since 1978, with $2.7 million paid in total. The year with the most claims was 1997, with 106. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 31.2% of homes in the high-risk flood zone did.

NFIP claims on record286
Total paid$2.7 million
Claims with a payment237
Homes with NFIP policy0.3%
High-risk zone homes insured31.2%
Residential policies in force189

Claims by year of loss

1978: 1619781979: 191980: 01981: 11982: 119821983: 21984: 01985: 21986: 019861987: 01988: 01989: 01990: 719901991: 51992: 11993: 31994: 019941995: 01996: 181997: 1061998: 819981999: 02000: 12001: 02002: 320022003: 12004: 12005: 22006: 020062007: 02008: 12009: 02010: 120102011: 102012: 02013: 22014: 120142015: 42016: 02017: 02018: 3020182019: 32020: 22021: 12022: 120222023: 02024: 12025: 32106

NFIP claims by year of loss, Kenton County, Kentucky

1978: $14,52219781979: $22,4311980: $01981: $8431982: $019821983: $01984: $01985: $01986: $019861987: $01988: $01989: $01990: $8,57219901991: $3,6941992: $2,2841993: $4,5241994: $019941995: $01996: $138,7181997: $1.3 million1998: $24,44819981999: $02000: $10,6142001: $02002: $10,20920022003: $3732004: $02005: $02006: $020062007: $02008: $1,0182009: $02010: $020102011: $73,2532012: $02013: $13,2902014: $71820142015: $40,1882016: $02017: $02018: $260,86820182019: $60,2152020: $02021: $26,6452022: $1,22520222023: $02024: $02025: $724,289$1.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding101
Central U.S. April Flooding32
Not a named storm20
Mid-spring storms10
March storm1

ZIP codes with the most claims

ZIP code (as reported)Claims
41016122
4101761
4101546
4101129
410517
410147
410635
410185
410013

197 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.4 million, contents $270,969, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone49615531.2%
All homes54,5361890.3%

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.