Flood Claims Map

Kentucky

Flood insurance claims in Oldham County, Kentucky

FEMA records 1,083 National Flood Insurance Program claims in Oldham County, Kentucky, since 1978, with $27.6 million paid in total. The year with the most claims was 1997, with 188. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 58.0% of homes in the high-risk flood zone did.

NFIP claims on record1,083
Total paid$27.6 million
Claims with a payment974
Homes with NFIP policy1.1%
High-risk zone homes insured58.0%
Residential policies in force241

Claims by year of loss

1978: 7119781979: 291980: 01981: 01982: 219821983: 111984: 21985: 01986: 119861987: 01988: 01989: 171990: 1219901991: 501992: 11993: 01994: 719941995: 61996: 651997: 1881998: 219981999: 02000: 92001: 22002: 120022003: 02004: 42005: 362006: 220062007: 12008: 42009: 22010: 420102011: 1152012: 12013: 12014: 420142015: 692016: 02017: 52018: 15220182019: 252020: 42021: 222022: 220222023: 02024: 02025: 1532026: 12026188

NFIP claims by year of loss, Oldham County, Kentucky

1978: $235,12419781979: $67,5821980: $01981: $01982: $019821983: $8,3311984: $1,4461985: $01986: $019861987: $01988: $01989: $50,9401990: $153,67219901991: $261,9881992: $01993: $01994: $20,69219941995: $11,9371996: $459,9681997: $7.3 million1998: $4,45319981999: $02000: $26,7752001: $02002: $3,01920022003: $02004: $20,8822005: $369,6712006: $97,60520062007: $02008: $27,8062009: $3,7462010: $8,88520102011: $1.8 million2012: $02013: $9,7972014: $61,03220142015: $1.1 million2016: $02017: $128,7092018: $6.6 million20182019: $323,8302020: $67,0872021: $282,0952022: $10,65920222023: $02024: $02025: $8.0 million2026: $02026$8.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding256
Central U.S. April Flooding134
Mid-spring storms92
Not a named storm79
February Kentucky Flooding17
March storm4
Heavy rains1
Early winter storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
40059924
4007773
4002659
4003110
400143
400681
402151
400561

881 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $24.8 million, contents $2.6 million, increased cost of compliance $157,800.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone36221058.0%
All homes21,3032411.1%

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.