Flood insurance claims in Todd County, Kentucky

FEMA records 11 National Flood Insurance Program claims in Todd County, Kentucky, since 2016, with $139,670 paid in total. The year with the most claims was 2016, with 5. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 12.0% of homes in the high-risk flood zone did.

NFIP claims on record11

Total paid$139,670

Claims with a payment9

Homes with NFIP policy0.4%

High-risk zone homes insured12.0%

Residential policies in force29

Claims by year of loss

NFIP claims by year of loss, Todd County, Kentucky

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

Named flood events with the most claims

Event (FEMA name)	Claims
Central U.S. April Flooding	1
Tropical Storm Fred	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
42220	10
42204	1

7 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $139,670, contents $0, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	158	19	12.0%
All homes	6,803	29	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.