Flood Help Guide

Floyd County flood history

Kentucky · From FEMA's flood insurance and disaster data · Updated 2026-10-08

2,618NFIP flood claims since 1978
$37.3 millionPaid on those claims
$33,166Average paid claimlast 10 years
3.4%Homes with NFIP flood insurance
26Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 2,618 flood insurance claims in Floyd County, Kentucky since 1978. The NFIP paid $37.3 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 1984, with 553, mostly from Flooding.

In the last ten years (2017–2026) there were 522 claims, and the average paid claim was $33,166.

18% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 3.4% of homes in Floyd County, Kentucky had an NFIP flood policy in FEMA's latest count (577 of 17,217 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 15% (488 of 3,355).

Since 2000, FEMA has made 26 flood-related disaster declarations covering Floyd County, Kentucky. The most recent was DR-4864-KY (Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides), declared April 24, 2025.

NFIP claims by year

NFIP flood claims per year in Floyd County, Kentucky02505007501k1978: 38 claims, $35,698 paid1979: 2 claims, $3,127 paid1980: 4 claims, $1,336 paid19801981: 69 claims, $118,660 paid1982: 8 claims, $9,342 paid1983: 1 claims, $0 paid1984: 553 claims, $6.1 million paid1985: 5 claims, $6,316 paid1987: 2 claims, $700 paid1989: 180 claims, $646,891 paid1990: 2 claims, $0 paid19901991: 71 claims, $192,971 paid1992: 1 claims, $0 paid1993: 3 claims, $9,144 paid1994: 28 claims, $118,797 paid1995: 38 claims, $219,979 paid1996: 10 claims, $47,029 paid1997: 30 claims, $232,694 paid1998: 131 claims, $955,695 paid1999: 2 claims, $8,175 paid2000: 8 claims, $8,822 paid20002001: 45 claims, $385,983 paid2002: 11 claims, $54,220 paid2003: 280 claims, $2.7 million paid2004: 101 claims, $2.3 million paid2005: 15 claims, $193,409 paid2006: 2 claims, $16,611 paid2007: 61 claims, $580,529 paid2008: 2 claims, $0 paid2009: 211 claims, $4.2 million paid2010: 10 claims, $17,198 paid20102011: 22 claims, $136,138 paid2012: 5 claims, $19,688 paid2013: 17 claims, $163,253 paid2014: 50 claims, $1.1 million paid2015: 72 claims, $616,577 paid2016: 6 claims, $15,269 paid2017: 2 claims, $0 paid2018: 15 claims, $289,179 paid2019: 10 claims, $197,891 paid2020: 24 claims, $802,142 paid20202021: 104 claims, $2.1 million paid2022: 124 claims, $3.7 million paid2023: 14 claims, $208,281 paid2024: 3 claims, $8,955 paid2025: 223 claims, $8.8 million paid2026: 3 claims, $46,405 paid
Claims per year of loss. Hover or tap a bar for details.
Show as a table
YearClaimsPaid
20263$46,405
2025223$8.8 million
20243$8,955
202314$208,281
2022124$3.7 million
2021104$2.1 million
202024$802,142
201910$197,891
201815$289,179
20172$0
20166$15,269
201572$616,577
201450$1.1 million
201317$163,253
20125$19,688
201122$136,138
201010$17,198
2009211$4.2 million
20082$0
200761$580,529
20062$16,611
200515$193,409
2004101$2.3 million
2003280$2.7 million
200211$54,220
200145$385,983
20008$8,822
19992$8,175
1998131$955,695
199730$232,694
199610$47,029
199538$219,979
199428$118,797
19933$9,144
19921$0
199171$192,971
19902$0
1989180$646,891
19872$700
19855$6,316
1984553$6.1 million
19831$0
19828$9,342
198169$118,660
19804$1,336
19792$3,127
197838$35,698

Named flood events

EventYearClaimsPaid
February Kentucky Flooding2025214$8.6 million
Flooding1984546$6.1 million
Storm2009193$4.0 million
Late July Flooding2022104$3.2 million
Heavy rains200476$2.0 million
Flooding198970$317,415
Flooding199726$218,879
Mid-spring storms201122$136,138

How many homes have flood insurance

FEMA counts 577 residential NFIP policies in Floyd County, against 17,217 residential buildings (3.4%). Of the 3,355 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 488 have an NFIP policy (15%). Private flood policies aren't in these counts.

Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?

Flood-related disaster declarations

DeclarationDeclaredEventHelp for individuals
DR-4864-KY Apr 24, 2025 Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides Yes
EM-3626-KY Apr 3, 2025 Severe Storms, Straight-Line Winds, Tornadoes, and Flooding No
DR-4860-KY Feb 24, 2025 Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides Yes
EM-3624-KY Feb 16, 2025 Severe Storms, Straight-Line Winds, Flooding, and Landslides No
DR-4711-KY May 9, 2023 Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides No
DR-4702-KY Apr 10, 2023 Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides No
DR-4663-KY Jul 29, 2022 Severe Storms, Flooding, Landslides, and Mudslides Yes
DR-4643-KY Feb 27, 2022 Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides No
DR-4595-KY Apr 23, 2021 Severe, Storms, Flooding, Landslides, and Mudslides Yes
DR-4428-KY Apr 17, 2019 Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides No
DR-4358-KY Apr 12, 2018 Severe Storms, Flooding, Landslides, and Mudslides No
DR-4239-KY Aug 12, 2015 Severe Storms, Tornadoes, Straight-Line Winds, Flooding, Landslides, and Mudslide Yes
DR-4218-KY May 12, 2015 Severe Winter Storm, Snowstorm, Flooding, Landslides, and Mudslides No
DR-4217-KY May 1, 2015 Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides Yes
DR-4216-KY Apr 30, 2015 Severe Winter Storms, Snowstorms, Flooding, Landslides, and Mudslides No
DR-4196-KY Sep 30, 2014 Severe Storms, Flooding, Landslides, and Mudslides No
DR-1976-KY May 4, 2011 Severe Storms, Tornadoes, and Flooding Yes
DR-1841-KY May 29, 2009 Severe Storms, Tornadoes, Flooding and Mudslides Yes
DR-1818-KY Feb 5, 2009 Severe Winter Storm and Flooding No
DR-1703-KY May 25, 2007 Severe Storms, Flooding, Mudslides, and Rockslides No

Check your own address

County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Kentucky.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.