Flood Claims Map

Kentucky

Flood insurance claims in Larue County, Kentucky

FEMA records 21 National Flood Insurance Program claims in Larue County, Kentucky, since 1979, with $201,813 paid in total. The most claims in one year was 5, in 1997 and 2010. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 8.7% of homes in the high-risk flood zone did.

NFIP claims on record21
Total paid$201,813
Claims with a payment19
Homes with NFIP policy0.2%
High-risk zone homes insured8.7%
Residential policies in force9

Claims by year of loss

1979: 319791980: 01981: 01982: 019821983: 11984: 41985: 019851986: 01987: 01988: 019881989: 31990: 01991: 019911992: 01993: 01994: 019941995: 01996: 01997: 519971998: 01999: 02000: 020002001: 02002: 02003: 020032004: 02005: 02006: 020062007: 02008: 02009: 020092010: 55

NFIP claims by year of loss, Larue County, Kentucky

1979: $2,82819791980: $01981: $01982: $019821983: $01984: $10,7291985: $019851986: $01987: $01988: $019881989: $11,0531990: $01991: $019911992: $01993: $01994: $019941995: $01996: $01997: $35,52919971998: $01999: $02000: $020002001: $02002: $02003: $020032004: $02005: $02006: $020062007: $02008: $02009: $020092010: $141,673$141,673

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding12

ZIP codes with the most claims

ZIP code (as reported)Claims
4274821

15 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $185,500, contents $16,313, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone6968.7%
All homes5,62490.2%

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.