Perry 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 594 flood insurance claims in Perry County, Kentucky since 1978. The NFIP paid $10.0 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 278, mostly from Flooding.
In the last ten years (2017–2026) there were 129 claims, and the average paid claim was $49,572.
19% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 1.9% of homes in Perry County, Kentucky had an NFIP flood policy in FEMA's latest count (235 of 12,078 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 16% (224 of 1,431).
Since 2000, FEMA has made 25 flood-related disaster declarations covering Perry 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 | 61 | $2.0 million |
| 2023 | 1 | $0 |
| 2022 | 48 | $3.1 million |
| 2021 | 9 | $104,906 |
| 2020 | 8 | $67,801 |
| 2018 | 2 | $2,714 |
| 2015 | 6 | $39,980 |
| 2014 | 1 | $0 |
| 2013 | 7 | $365,090 |
| 2011 | 3 | $11,460 |
| 2010 | 1 | $0 |
| 2009 | 5 | $19,736 |
| 2007 | 1 | $963 |
| 2004 | 5 | $12,825 |
| 2003 | 26 | $479,317 |
| 2002 | 5 | $13,190 |
| 2001 | 3 | $7,103 |
| 1998 | 19 | $303,506 |
| 1997 | 9 | $42,232 |
| 1994 | 5 | $22,961 |
| 1992 | 1 | $0 |
| 1991 | 3 | $4,233 |
| 1989 | 74 | $566,650 |
| 1984 | 278 | $2.8 million |
| 1982 | 1 | $0 |
| 1981 | 5 | $6,329 |
| 1980 | 1 | $0 |
| 1979 | 1 | $0 |
| 1978 | 5 | $12,924 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Late July Flooding | 2022 | 48 | $3.1 million |
| Flooding | 1984 | 277 | $2.8 million |
| February Kentucky Flooding | 2025 | 59 | $1.9 million |
| Flooding | 1989 | 61 | $541,109 |
| Flooding | 1997 | 9 | $42,232 |
| Heavy rains | 2004 | 5 | $12,825 |
| Not a named storm | 1978 | 2 | $8,639 |
| Storm | 2009 | 2 | $2,358 |
How many homes have flood insurance
FEMA counts 235 residential NFIP policies in Perry County, against 12,078 residential buildings (1.9%). Of the 1,431 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 224 have an NFIP policy (16%). 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-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-4216-KY | Apr 30, 2015 | Severe Winter Storms, Snowstorms, Flooding, Landslides, and Mudslides | No |
| 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-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 |
| 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 |
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.