Flood insurance claims in Trimble County, Kentucky

FEMA records 43 National Flood Insurance Program claims in Trimble County, Kentucky, since 1978, with $700,043 paid in total. The year with the most claims was 1997, with 14. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 14.8% of homes in the high-risk flood zone did.

NFIP claims on record43

Total paid$700,043

Claims with a payment32

Homes with NFIP policy0.7%

High-risk zone homes insured14.8%

Residential policies in force29

Claims by year of loss

NFIP claims by year of loss, Trimble County, Kentucky

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	13
Not a named storm	10
Central U.S. April Flooding	7
Late summer storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
40045	35
40006	6
40011	1
40046	1

28 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $644,284, contents $55,760, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	162	24	14.8%
All homes	3,964	29	0.7%

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.