Flood Claims Map

Kentucky

Flood insurance claims in Laurel County, Kentucky

FEMA records 12 National Flood Insurance Program claims in Laurel County, Kentucky, since 2008, with $1.1 million paid in total. The year with the most claims was 2021, with 5. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 8.7% of homes in the high-risk flood zone did.

NFIP claims on record12
Total paid$1.1 million
Claims with a payment9
Homes with NFIP policy0.1%
High-risk zone homes insured8.7%
Residential policies in force30

Claims by year of loss

2008: 120082009: 020092010: 020102011: 120112012: 020122013: 120132014: 120142015: 220152016: 020162017: 020172018: 020182019: 020192020: 020202021: 520212022: 020222023: 020232024: 020242025: 120255

NFIP claims by year of loss, Laurel County, Kentucky

2008: $4,86320082009: $020092010: $020102011: $020112012: $020122013: $24,60920132014: $020142015: $4,02920152016: $020162017: $020172018: $020182019: $020192020: $020202021: $723,81320212022: $020222023: $020232024: $020242025: $378,0812025$723,813

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

Named flood events with the most claims

Event (FEMA name)Claims
Mid-spring storms1
February Kentucky Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
407415
407443
407343
407291

7 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.1 million, contents $76,282, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone231208.7%
All homes27,356300.1%

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.