Published NFIP policy and loss records, alongside a way to check the map.
Average annual premium and federal policy fee per policy unit
$1,514
As of 2026-08-31. A portfolio average, not a quote for a home.
Policies in force, including condo units
16,967
Cumulative recorded losses
27,947
Net dollars paid
$527,379,041
Cumulative losses in the HUDEX report through August 31, 2026. Loss counts include claims closed without payment. No annual series or first loss year is stated in this report.
These are insured policy units grouped by their rated zones, not a percentage of the state’s land or homes.
NFIP rated zone groups, 2026-08-31
Rated group
Policy units
Share of insured units
All A zones combined
13,805
81.4%
Unknown or invalid rated zone
33
0.2%
X, B and C zones combined
3,129
18.4%
Largest recorded loss years
Published net claim payments from 1978 through 2026, grouped by year of loss. Dollar amounts are nominal. The 2026-09-08 OpenFEMA claims release is a separate population from the policy workbook above.
All published years and net payments
Kentucky claims history
Year of loss
Net payments
1978
$7,705,143
1979
$2,057,372
1980
$383,028
1981
$1,422,624
1982
$356,739
1983
$666,925
1984
$28,803,077
1985
$191,355
1986
$110,178
1987
$144,830
1988
$200,648
1989
$10,228,884
1990
$1,827,793
1991
$1,464,163
1992
$610,877
1993
$611,730
1994
$1,602,240
1995
$677,546
1996
$4,292,531
1997
$79,683,887
1998
$3,918,200
1999
$302,820
2000
$2,022,066
2001
$1,259,900
2002
$6,831,197
2003
$8,960,783
2004
$9,070,328
2005
$11,458,686
2006
$10,127,076
2007
$1,087,147
2008
$2,844,721
2009
$17,344,685
2010
$38,875,817
2011
$18,869,889
2012
$1,114,083
2013
$7,060,664
2014
$2,370,129
2015
$25,974,455
2016
$1,777,975
2017
$2,574,655
2018
$29,368,120
2019
$5,247,468
2020
$3,910,521
2021
$24,024,344
2022
$29,348,616
2023
$2,561,701
2024
$1,204,502
2025
$112,598,771
2026
$2,234,277
Records without payment are included in counts. Missing county records are retained in national controls and are not allocated to counties. OpenFEMA NFIP redacted claims V3.
Data and methodology
Complete official HUDEX report, summed across its community rows within each geocoded county FIPS. Policy Count includes condominium units under master policies. Average premium is Total Premium + Federal Policy Fee divided by Policy Count; this is an aggregate per policy unit, not a property quote. Loss counts include losses closed without payment. Total Net Dollars Paid is cumulative in this report, including the source's adjustments. The report does not specify the first loss year or split losses by year, so a starting year and annual breakdown are not inferred. Unassigned county records are retained in state totals separately. No record sampling.
Essential security caching works without cookies. Optional ads and analytics are off by default. Save your preference for any optional services enabled later.
