Flood Claims Map

Kentucky

Flood insurance claims in Spencer County, Kentucky

FEMA records 56 National Flood Insurance Program claims in Spencer County, Kentucky, since 1978, with $857,644 paid in total. The year with the most claims was 2015, with 10. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 22.4% of homes in the high-risk flood zone did.

NFIP claims on record56
Total paid$857,644
Claims with a payment52
Homes with NFIP policy0.5%
High-risk zone homes insured22.4%
Residential policies in force27

Claims by year of loss

1978: 119781979: 11980: 21981: 01982: 019821983: 01984: 01985: 01986: 019861987: 01988: 01989: 21990: 119901991: 01992: 01993: 01994: 019941995: 11996: 01997: 31998: 019981999: 02000: 52001: 02002: 120022003: 02004: 32005: 02006: 320062007: 22008: 22009: 02010: 120102011: 32012: 02013: 02014: 120142015: 102016: 02017: 02018: 220182019: 22020: 02021: 12022: 120222023: 12024: 02025: 32026: 4202610

NFIP claims by year of loss, Spencer County, Kentucky

1978: $1,25519781979: $2,8231980: $6,9811981: $01982: $019821983: $01984: $01985: $01986: $019861987: $01988: $01989: $7,1581990: $8,10919901991: $01992: $01993: $01994: $019941995: $3,7471996: $01997: $92,2351998: $019981999: $02000: $53,9952001: $02002: $4,97220022003: $02004: $25,1922005: $02006: $37,51620062007: $15,1292008: $13,4832009: $02010: $15,62220102011: $19,2472012: $02013: $02014: $020142015: $241,1502016: $02017: $02018: $48,85120182019: $29,1402020: $02021: $17,5592022: $16,05720222023: $30,3502024: $02025: $82,7602026: $84,3122026$241,150

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding3
Heavy rains3
February Kentucky Flooding2
Mid-spring storms1
Not a named storm1
Central U.S. April Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
4001330
4007123
400233

49 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $811,114, contents $46,530, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone761722.4%
All homes5,734270.5%

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.