Flood Claims Map

Kentucky

Flood insurance claims in Magoffin County, Kentucky

FEMA records 260 National Flood Insurance Program claims in Magoffin County, Kentucky, since 1978, with $2.8 million paid in total. The year with the most claims was 1981, with 57. As of 3 August 2026, 1.6% of homes here had an NFIP policy, and 9.6% of homes in the high-risk flood zone did.

NFIP claims on record260
Total paid$2.8 million
Claims with a payment218
Homes with NFIP policy1.6%
High-risk zone homes insured9.6%
Residential policies in force61

Claims by year of loss

1978: 2019781979: 11980: 01981: 571982: 019821983: 11984: 381985: 01986: 019861987: 01988: 01989: 21990: 419901991: 51992: 11993: 11994: 119941995: 01996: 11997: 11998: 019981999: 02000: 02001: 02002: 020022003: 82004: 442005: 62006: 020062007: 02008: 02009: 192010: 020102011: 02012: 22013: 02014: 020142015: 32016: 12017: 32018: 020182019: 102020: 02021: 122022: 920222023: 22024: 02025: 857

NFIP claims by year of loss, Magoffin County, Kentucky

1978: $140,16519781979: $2151980: $01981: $328,9411982: $019821983: $01984: $114,6071985: $01986: $019861987: $01988: $01989: $6,5001990: $8,50019901991: $7,2751992: $6,5001993: $01994: $3,17119941995: $01996: $01997: $13,8321998: $019981999: $02000: $02001: $02002: $020022003: $40,6482004: $890,9122005: $50,7482006: $020062007: $02008: $02009: $424,9282010: $020102011: $02012: $42,3072013: $02014: $020142015: $28,4982016: $5,2522017: $12,3992018: $020182019: $165,2452020: $02021: $262,3762022: $182,92820222023: $11,2152024: $02025: $51,771$890,912

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding43
Heavy rains41
Not a named storm20
Storm17
Late July Flooding8
February Kentucky Flooding4
Central U.S. April Flooding2

ZIP codes with the most claims

ZIP code (as reported)Claims
41465221
4146423
416322
404651
412401

91 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.0 million, contents $817,577, increased cost of compliance $26,327.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone541529.6%
All homes3,930611.6%

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.