Montgomery 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 75 flood insurance claims in Montgomery County, Kentucky since 1978. The NFIP paid $1.9 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 2018, with 12.
In the last ten years (2017–2026) there were 18 claims, and the average paid claim was $22,804.
31% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 0.2% of homes in Montgomery County, Kentucky had an NFIP flood policy in FEMA's latest count (33 of 13,784 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 11% (26 of 233).
Since 2000, FEMA has made 10 flood-related disaster declarations covering Montgomery County, Kentucky. The most recent was EM-3626-KY (Severe Storms, Straight-Line Winds, Tornadoes, and Flooding), declared April 3, 2025.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2022 | 1 | $35,028 |
| 2021 | 3 | $53,108 |
| 2020 | 2 | $14,397 |
| 2018 | 12 | $285,140 |
| 2015 | 3 | $54,144 |
| 2014 | 1 | $1,251 |
| 2010 | 11 | $607,212 |
| 2009 | 4 | $74,211 |
| 2008 | 1 | $20,473 |
| 2006 | 9 | $220,772 |
| 2004 | 2 | $2,053 |
| 2003 | 5 | $134,014 |
| 2002 | 6 | $173,946 |
| 2001 | 3 | $80,242 |
| 1998 | 2 | $20,848 |
| 1997 | 6 | $27,439 |
| 1996 | 3 | $48,015 |
| 1989 | 1 | $454 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Late summer storms | 2009 | 3 | $73,191 |
| Flooding | 1997 | 5 | $27,439 |
| Flooding | 1989 | 1 | $454 |
| Heavy rains | 2004 | 1 | $0 |
How many homes have flood insurance
FEMA counts 33 residential NFIP policies in Montgomery County, against 13,784 residential buildings (0.2%). Of the 233 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 26 have an NFIP policy (11%). 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 |
|---|---|---|---|
| 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-4848-KY | Nov 26, 2024 | Remnants of Hurricane Helene | No |
| DR-4239-KY | Aug 12, 2015 | Severe Storms, Tornadoes, Straight-Line Winds, Flooding, Landslides, and Mudslide | Yes |
| DR-4057-KY | Mar 6, 2012 | Severe Storms, Tornadoes, Straight-Line Winds 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-1523-KY | Jun 10, 2004 | Severe Storms, Tornadoes, Flooding, and Mudslides | Yes |
| DR-1475-KY | Jul 2, 2003 | Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes | Yes |
| DR-1407-KY | Apr 4, 2002 | Severe Storms 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.
- 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.