Flood insurance claims in Pendleton County, Kentucky

FEMA records 180 National Flood Insurance Program claims in Pendleton County, Kentucky, since 1978, with $5.3 million paid in total. The year with the most claims was 1997, with 141. As of 3 August 2026, 1.9% of homes here had an NFIP policy, and 25.9% of homes in the high-risk flood zone did.

NFIP claims on record180

Total paid$5.3 million

Claims with a payment170

Homes with NFIP policy1.9%

High-risk zone homes insured25.9%

Residential policies in force132

Claims by year of loss

NFIP claims by year of loss, Pendleton County, Kentucky

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	143
Central U.S. April Flooding	17
Not a named storm	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
41040	155
41006	18
41033	4

169 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.0 million, contents $287,797, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	494	128	25.9%
All homes	6,847	132	1.9%

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.