Flood insurance claims in Nicholas County, Kentucky

FEMA records 48 National Flood Insurance Program claims in Nicholas County, Kentucky, since 1979, with $1.9 million paid in total. The most claims in one year was 6, in 1979, 2010 and 2021. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 7.1% of homes in the high-risk flood zone did.

NFIP claims on record48

Total paid$1.9 million

Claims with a payment44

Homes with NFIP policy0.4%

High-risk zone homes insured7.1%

Residential policies in force16

Claims by year of loss

NFIP claims by year of loss, Nicholas County, Kentucky

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	5
Mid-spring storms	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
40311	45
40350	2
41031	1

23 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.2 million, contents $680,215, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	168	12	7.1%
All homes	4,074	16	0.4%

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

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.