Flood insurance in Kentucky: cost by ZIP code and county
Kentucky has 11,466 single-family flood policies; the median one cost $1,199 a year on July 31, 2026.
Median single-family flood bill, Kentucky
$1,199
11,466 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,715 |
| Policies still below their full-risk price | 53 % |
| Median paid in August 2023 | $886 |
| Increase left from the median | 3 renewals at 18 % |
| Next five bills, added up | $8,188 |
| Median claim paid, 2016 to 2025 (3,530 claims) | $19,257 |
Compiled by Radif Partners · Where the numbers come from · 298 ZIP codes and 109 counties of Kentucky in FEMA's tables · not a quote
Kentucky's 11,466 single-family flood policies had a median yearly cost of $1,199 on July 31, 2026, a total that includes the premium, the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee. The headline number hides a wide gap. Priced at full risk, the same homes would have a median bill of $1,715, and 53 % of them still pay less than that, one of the highest shares in the country (the national share is 47 %). The gap is wide in Pike County, on the Virginia and West Virginia lines, where the median paid was $1,306 while the median full-risk bill was $4,024. In A zones, 9,191 policies had a median of $1,277. Claims are large too, $19,257 at the median.
Pike and Floyd: cheap today, expensive at full price
FEMA's model prices Pike and Floyd counties far above what their owners pay today. Pike County had 550 policies with 85 % still capped; Floyd County 297 policies with 86 % capped and a full-risk median of $3,713. In the 2023 table, Martin County had the largest ratio of full-risk to current cost in the state.
From the Pike County median, the 18 % yearly cap for a primary home leaves about 8 renewals of increases before the bill meets its full-risk level. A second home climbs on the 25 % track instead.
Renewals left for a Pike County bill
Renewals before your bill reaches the full-risk price
8 renewals
| Renewal 1 (capped) | $1,528 |
| Renewal 2 (capped) | $1,790 |
| Renewal 3 (capped) | $2,100 |
| Renewal 4 (capped) | $2,464 |
The claims record is heavy as well. Floyd County recorded 358 paid single-family claims over 2016 to 2025, more than the 297 policies it carries today: more paid claims in ten years than policies in force today. Pike County had 314, with a median of $22,539.
A heavy year in 2025
Two of the three events that paid the most Kentucky claims fell in the same year. Central U.S. April Flooding paid 815 claims ($52,596,782); February Kentucky Flooding paid 561 claims ($18,889,287). Together that is 1,376 claims, about 39 % of the ten-year total, and the 2025 files are still being settled. The 2022 flood ranks third with 314 claims.
Louisville and the Ohio River towns
Jefferson County is the biggest market, 2,611 policies at a median of $1,164, with a full-risk median of $1,402. Downstream, Daviess County around Owensboro is cheaper at $906 and already near full risk. Only 2,275 Kentucky policies are in X zones, where no lender requires coverage; they paid a median of $1,001, yet their full-risk median, $1,392, is well above that, so the low-risk label does not mean a settled price.
Claims across the rest of the state
Outside the coalfields, two counties stand out for the size of their claims. Bullitt County, south of Louisville, had a median paid claim of $28,498, and Christian County, in the west, $24,251, both above the state median. Greenup County, on the Ohio River, recorded 133 paid claims for 317 policies in force today.
Kentucky median bill by zone type
Median yearly cost, X, B and C zones, Kentucky
$1,001
| Same zone type, whole country | $958 |
| A zones in Kentucky | $1,277 |
The Kentucky counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Jefferson County | 2,611 | $1,164 | $1,402 | 42 % | 2 | $886 | $15,406 |
| Daviess County | 637 | $906 | $945 | 38 % | 1 | $730 | $13,385 |
| Pike County | 550 | $1,306 | $4,024 | 85 % | 8 | $911 | $22,539 |
| Bullitt County | 532 | $1,131 | $1,550 | 49 % | 3 | $848 | $28,498 |
| Floyd County | 297 | $1,376 | $3,713 | 86 % | 7 | $978 | $15,367 |
| Fayette County | 340 | $964 | $1,180 | 39 % | 2 | $795 | $16,731 |
| Greenup County | 317 | $1,081 | $1,200 | 40 % | 1 | $924 | $19,779 |
| Christian County | 311 | $1,120 | $1,861 | 54 % | 4 | $842 | $24,251 |
Full-risk prices of Kentucky homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 3,918 | 28.7 % | $276,245 |
| $1,000 to $2,000 | 3,927 | 28.8 % | $290,797 |
| $2,000 to $3,000 | 2,441 | 17.9 % | $296,903 |
| $3,000 to $4,000 | 1,377 | 10.1 % | $334,590 |
| $4,000 to $5,000 | 807 | 5.9 % | $392,010 |
| $5,000 or more | 1,177 | 8.6 % |
The floods that paid the most Kentucky claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Central U.S. April Flooding | 2025 | 815 | $52,596,782 |
| February Kentucky Flooding | 2025 | 561 | $18,889,287 |
| Late July Flooding | 2022 | 314 | $15,006,343 |