Flood Claims Map

Kentucky

Flood insurance claims in Knox County, Kentucky

FEMA records 120 National Flood Insurance Program claims in Knox County, Kentucky, since 1982, with $892,071 paid in total. The year with the most claims was 1984, with 39. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 11.4% of homes in the high-risk flood zone did.

NFIP claims on record120
Total paid$892,071
Claims with a payment86
Homes with NFIP policy0.8%
High-risk zone homes insured11.4%
Residential policies in force77

Claims by year of loss

1982: 119821983: 01984: 391985: 11986: 019861987: 31988: 01989: 81990: 119901991: 31992: 01993: 01994: 319941995: 01996: 71997: 01998: 919981999: 02000: 02001: 12002: 220022003: 62004: 32005: 02006: 020062007: 02008: 12009: 12010: 020102011: 52012: 02013: 12014: 020142015: 12016: 02017: 02018: 320182019: 22020: 102021: 12022: 020222023: 12024: 12025: 639

NFIP claims by year of loss, Knox County, Kentucky

1982: $019821983: $01984: $187,7061985: $01986: $019861987: $34,3701988: $01989: $21,4671990: $019901991: $2,4971992: $01993: $01994: $7,89819941995: $01996: $15,8441997: $01998: $159,58019981999: $02000: $02001: $8,4562002: $51,27520022003: $19,6462004: $2,4882005: $02006: $020062007: $02008: $02009: $1,0062010: $020102011: $37,6242012: $02013: $02014: $020142015: $02016: $02017: $02018: $22,79120182019: $24,1222020: $239,1222021: $1,2552022: $020222023: $37,8222024: $6,9482025: $10,155$239,122

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding40
February Kentucky Flooding5
Heavy rains1
March storm1

ZIP codes with the most claims

ZIP code (as reported)Claims
4090649
4093513
4095310
4070110
407349
409499
409973
409463
409822
407022

49 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $664,742, contents $227,329, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone5706511.4%
All homes10,187770.8%

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.