Flood Claims Map

Kentucky

Flood insurance claims in Marshall County, Kentucky

FEMA records 68 National Flood Insurance Program claims in Marshall County, Kentucky, since 1978, with $1.2 million paid in total. The year with the most claims was 2011, with 17. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 16.7% of homes in the high-risk flood zone did.

NFIP claims on record68
Total paid$1.2 million
Claims with a payment59
Homes with NFIP policy0.6%
High-risk zone homes insured16.7%
Residential policies in force72

Claims by year of loss

1978: 119781979: 31980: 01981: 01982: 119821983: 01984: 11985: 01986: 019861987: 01988: 01989: 01990: 019901991: 01992: 01993: 01994: 019941995: 01996: 21997: 11998: 219981999: 02000: 02001: 52002: 020022003: 02004: 02005: 02006: 520062007: 02008: 02009: 22010: 420102011: 172012: 02013: 42014: 020142015: 02016: 122017: 12018: 220182019: 22020: 02021: 02022: 020222023: 02024: 02025: 317

NFIP claims by year of loss, Marshall County, Kentucky

1978: $27019781979: $3,5411980: $01981: $01982: $3,09419821983: $01984: $4,0591985: $01986: $019861987: $01988: $01989: $01990: $019901991: $01992: $01993: $01994: $019941995: $01996: $19,4891997: $58,3551998: $6,83419981999: $02000: $02001: $13,5042002: $020022003: $02004: $02005: $02006: $16,53720062007: $02008: $02009: $11,7072010: $10,44920102011: $596,0852012: $02013: $74,0132014: $020142015: $02016: $217,5122017: $02018: $1,87520182019: $2,7752020: $02021: $02022: $020222023: $02024: $02025: $187,111$596,085

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

Named flood events with the most claims

Event (FEMA name)Claims
Mid-spring storms16
Not a named storm3
Storm2
Flooding2
February Kentucky Flooding2
Central U.S. April Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
4202549
4202911
420485
420821
420031
420441

41 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.0 million, contents $185,049, increased cost of compliance $29,820.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3545916.7%
All homes12,542720.6%

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.