Magoffin 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 260 flood insurance claims in Magoffin County, Kentucky since 1978. The NFIP paid $2.8 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 1981, with 57.
In the last ten years (2017–2026) there were 44 claims, and the average paid claim was $18,539.
35% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 1.6% of homes in Magoffin County, Kentucky had an NFIP flood policy in FEMA's latest count (61 of 3,930 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 10% (52 of 541).
Since 2000, FEMA has made 26 flood-related disaster declarations covering Magoffin 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
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2025 | 8 | $51,771 |
| 2023 | 2 | $11,215 |
| 2022 | 9 | $182,928 |
| 2021 | 12 | $262,376 |
| 2019 | 10 | $165,245 |
| 2017 | 3 | $12,399 |
| 2016 | 1 | $5,252 |
| 2015 | 3 | $28,498 |
| 2012 | 2 | $42,307 |
| 2009 | 19 | $424,928 |
| 2005 | 6 | $50,748 |
| 2004 | 44 | $890,912 |
| 2003 | 8 | $40,648 |
| 1997 | 1 | $13,832 |
| 1996 | 1 | $0 |
| 1994 | 1 | $3,171 |
| 1993 | 1 | $0 |
| 1992 | 1 | $6,500 |
| 1991 | 5 | $7,275 |
| 1990 | 4 | $8,500 |
| 1989 | 2 | $6,500 |
| 1984 | 38 | $114,607 |
| 1983 | 1 | $0 |
| 1981 | 57 | $328,941 |
| 1979 | 1 | $215 |
| 1978 | 20 | $140,165 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Heavy rains | 2004 | 41 | $866,824 |
| Storm | 2009 | 17 | $422,927 |
| Late July Flooding | 2022 | 8 | $169,005 |
| Not a named storm | 1978 | 20 | $140,165 |
| Flooding | 1984 | 37 | $114,607 |
| Central U.S. April Flooding | 2025 | 2 | $24,000 |
| February Kentucky Flooding | 2025 | 4 | $21,627 |
| Flooding | 1990 | 4 | $8,500 |
How many homes have flood insurance
FEMA counts 61 residential NFIP policies in Magoffin County, against 3,930 residential buildings (1.6%). Of the 541 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 52 have an NFIP policy (10%). 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
| Declaration | Declared | Event | Help 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-4848-KY | Nov 26, 2024 | Remnants of Hurricane Helene | No |
| DR-4711-KY | May 9, 2023 | Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides | No |
| DR-4663-KY | Jul 29, 2022 | Severe Storms, Flooding, Landslides, and Mudslides | Yes |
| DR-4595-KY | Apr 23, 2021 | Severe, Storms, Flooding, Landslides, and Mudslides | Yes |
| DR-4540-KY | Apr 24, 2020 | Severe Storms, Flooding, Landslides, and Mudslides | No |
| 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-4057-KY | Mar 6, 2012 | Severe Storms, Tornadoes, Straight-Line Winds and Flooding | Yes |
| DR-4008-KY | Jul 25, 2011 | Severe Storms, Tornadoes, and Flooding | Yes |
| 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-1841-KY | May 29, 2009 | Severe Storms, Tornadoes, Flooding and Mudslides | 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.
- 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.