Hardin County flood history
Kentucky · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 478 flood insurance claims in Hardin County, Kentucky since 1978. The NFIP paid $9.9 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 1997, with 121, mostly from Flooding.
In the last ten years (2017–2026) there were 167 claims, and the average paid claim was $37,914.
28% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 0.8% of homes in Hardin County, Kentucky had an NFIP flood policy in FEMA's latest count (308 of 37,388 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 25% (218 of 882).
Since 2000, FEMA has made 13 flood-related disaster declarations covering Hardin County, Kentucky. The most recent was DR-4937-KY (Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides), declared September 1, 2026.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 5 | $53,009 |
| 2025 | 88 | $4.0 million |
| 2023 | 1 | $23,263 |
| 2021 | 6 | $25,053 |
| 2019 | 8 | $83,827 |
| 2018 | 47 | $1.3 million |
| 2017 | 12 | $174,341 |
| 2016 | 3 | $2,346 |
| 2015 | 12 | $168,487 |
| 2014 | 7 | $68,475 |
| 2013 | 1 | $100,774 |
| 2012 | 8 | $89,864 |
| 2011 | 39 | $634,488 |
| 2010 | 20 | $644,836 |
| 2009 | 5 | $42,599 |
| 2008 | 14 | $81,815 |
| 2007 | 1 | $0 |
| 2006 | 34 | $417,763 |
| 2005 | 2 | $6,841 |
| 2003 | 1 | $2,300 |
| 2002 | 3 | $6,762 |
| 2000 | 5 | $26,663 |
| 1998 | 2 | $2,995 |
| 1997 | 121 | $1.8 million |
| 1996 | 2 | $18,491 |
| 1994 | 1 | $1,271 |
| 1991 | 6 | $19,928 |
| 1989 | 3 | $57,116 |
| 1988 | 1 | $0 |
| 1987 | 1 | $0 |
| 1984 | 2 | $2,793 |
| 1979 | 5 | $1,297 |
| 1978 | 12 | $15,531 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Central U.S. April Flooding | 2025 | 71 | $3.1 million |
| Flooding | 1997 | 119 | $1.8 million |
| Mid-spring storms | 2011 | 34 | $626,024 |
| February Kentucky Flooding | 2025 | 7 | $163,842 |
| Flooding | 1989 | 3 | $57,116 |
| Flooding | 1991 | 4 | $14,737 |
| Not a named storm | 1978 | 11 | $14,530 |
| Flooding | 1984 | 2 | $2,793 |
How many homes have flood insurance
FEMA counts 308 residential NFIP policies in Hardin County, against 37,388 residential buildings (0.8%). Of the 882 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 218 have an NFIP policy (25%). 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?
What flood insurance costs in Hardin County
On June 30, 2026, 295 NFIP flood insurance policies were in force in Hardin County, Kentucky. For the 232 single-family homes among them, the typical (median) yearly cost was about $1,090; the average was $1,380.
| Rated flood zone | Policies | Typical yearly cost, single-family home | Average cost | Average building coverage |
|---|---|---|---|---|
| High-risk zones (A and V) | 199 | $1,260 | $1,620 | $135,000 |
| Moderate- and low-risk zones (B, C and X) | 96 | $790 | $900 | $200,000 |
Cost here is what FEMA's data lists as the policy cost: the premium plus the reserve fund assessment, federal policy fee and HFIAA surcharge. It covers single-family homes only (not condos, apartments or businesses), with costs rounded to the nearest $10 and shown only where at least 20 homes back the figure. Your own price depends on your building and the coverage you choose; see how flood insurance is priced. Private flood insurance isn't included.
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4937-KY | Sep 1, 2026 | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides | No |
| 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 |
| EM-3624-KY | Feb 16, 2025 | Severe Storms, Straight-Line Winds, Flooding, and Landslides | No |
| DR-4702-KY | Apr 10, 2023 | Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides | No |
| DR-4361-KY | Apr 26, 2018 | Severe Storms, Tornadoes, Flooding, Landslides, and Mudslides | No |
| DR-1976-KY | May 4, 2011 | Severe Storms, Tornadoes, and Flooding | Yes |
| DR-1912-KY | May 11, 2010 | Severe Storms, Flooding, Mudslides, and Tornadoes | Yes |
| DR-1818-KY | Feb 5, 2009 | Severe Winter Storm and Flooding | No |
| DR-1537-KY | Aug 6, 2004 | Severe Storms and Flooding | No |
| DR-1523-KY | Jun 10, 2004 | Severe Storms, Tornadoes, Flooding, and Mudslides | Yes |
| DR-1471-KY | Jun 3, 2003 | Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes | Yes |
| DR-1414-KY | May 7, 2002 | Severe Storms, Tornadoes and Flooding | Yes |
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:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- NFIP Redacted Policies (v3) (FEMA (OpenFEMA)): NFIP policies in force on June 30, 2026 (a policy counts if its term covers that date and it wasn't cancelled), downloaded 2026-10-08. Policy counts are FEMA's insured units, so a condominium association policy counts each unit. Costs are FEMA's "policy cost" (premium plus reserve fund assessment, federal policy fee and HFIAA surcharge) for single-family homes only. Policies FEMA's data doesn't place in a county count toward the state only.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
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.