Flood Claims Map

Kentucky

Flood insurance claims in Madison County, Kentucky

FEMA records 138 National Flood Insurance Program claims in Madison County, Kentucky, since 1979, with $3.5 million paid in total. The year with the most claims was 2010, with 33. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 28.5% of homes in the high-risk flood zone did.

NFIP claims on record138
Total paid$3.5 million
Claims with a payment117
Homes with NFIP policy0.7%
High-risk zone homes insured28.5%
Residential policies in force219

Claims by year of loss

1979: 119791980: 11981: 01982: 01983: 019831984: 21985: 01986: 01987: 019871988: 01989: 11990: 11991: 119911992: 11993: 01994: 01995: 019951996: 01997: 11998: 11999: 019992000: 02001: 02002: 02003: 320032004: 42005: 02006: 02007: 020072008: 02009: 02010: 332011: 120112012: 02013: 32014: 62015: 1920152016: 32017: 02018: 02019: 320192020: 22021: 132022: 32023: 320232024: 02025: 132026: 1933

NFIP claims by year of loss, Madison County, Kentucky

1979: $019791980: $01981: $01982: $01983: $019831984: $11,5671985: $01986: $01987: $019871988: $01989: $4,2571990: $1061991: $019911992: $2,0451993: $01994: $01995: $019951996: $01997: $4,9741998: $1,8721999: $019992000: $02001: $02002: $02003: $33,93520032004: $34,1502005: $02006: $02007: $020072008: $02009: $02010: $852,0262011: $16,62520112012: $02013: $96,2762014: $74,0712015: $363,70220152016: $16,5112017: $02018: $02019: $100,39720192020: $15,8472021: $593,9562022: $38,9332023: $41,32320232024: $02025: $572,2102026: $622,834$852,026

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

Named flood events with the most claims

Event (FEMA name)Claims
Central U.S. April Flooding10
February Kentucky Flooding3
Late July Flooding2
Flooding1
Mid-spring storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
4047575
4040345
403859
404615
416554

71 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.8 million, contents $687,792, increased cost of compliance $51,401.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone59216928.5%
All homes29,9552190.7%

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.