Flood Claims Map

Kentucky

Flood insurance claims in Whitley County, Kentucky

FEMA records 30 National Flood Insurance Program claims in Whitley County, Kentucky, since 1978, with $212,491 paid in total. The year with the most claims was 1998, with 8. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 7.0% of homes in the high-risk flood zone did.

NFIP claims on record30
Total paid$212,491
Claims with a payment20
Homes with NFIP policy0.3%
High-risk zone homes insured7.0%
Residential policies in force40

Claims by year of loss

1978: 119781979: 01980: 01981: 01982: 019821983: 01984: 61985: 01986: 019861987: 01988: 01989: 21990: 019901991: 01992: 01993: 01994: 619941995: 01996: 01997: 01998: 819981999: 02000: 02001: 02002: 020022003: 12004: 02005: 02006: 020062007: 02008: 02009: 02010: 020102011: 02012: 02013: 02014: 120142015: 02016: 12017: 02018: 020182019: 02020: 32021: 18

NFIP claims by year of loss, Whitley County, Kentucky

1978: $019781979: $01980: $01981: $01982: $019821983: $01984: $13,7881985: $01986: $019861987: $01988: $01989: $15,4331990: $019901991: $01992: $01993: $01994: $16,13319941995: $01996: $01997: $01998: $95,81219981999: $02000: $02001: $02002: $020022003: $02004: $02005: $02006: $020062007: $02008: $02009: $02010: $020102011: $02012: $02013: $02014: $020142015: $02016: $02017: $02018: $020182019: $02020: $70,0722021: $1,252$95,812

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding6
Not a named storm1

ZIP codes with the most claims

ZIP code (as reported)Claims
4076916
407017
407022
407631
407671
402011
407591
409061

21 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $177,417, contents $35,074, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone498357.0%
All homes14,201400.3%

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.