Flood Help Guide

Pike County flood history

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

2,480NFIP flood claims since 1978
$56.2 millionPaid on those claims
$51,594Average paid claimlast 10 years
3.5%Homes with NFIP flood insurance
23Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 2,480 flood insurance claims in Pike County, Kentucky since 1978. The NFIP paid $56.2 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 653, mostly from Flooding.

In the last ten years (2017–2026) there were 523 claims, and the average paid claim was $51,594.

32% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 3.5% of homes in Pike County, Kentucky had an NFIP flood policy in FEMA's latest count (927 of 26,493 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 21% (741 of 3,461).

Since 2000, FEMA has made 23 flood-related disaster declarations covering Pike 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

NFIP flood claims per year in Pike County, Kentucky02505007501k1978: 99 claims, $401,449 paid1979: 101 claims, $500,318 paid1980: 17 claims, $26,232 paid19801981: 113 claims, $707,147 paid1982: 15 claims, $43,581 paid1983: 2 claims, $2,633 paid1984: 653 claims, $10.3 million paid1985: 3 claims, $18,000 paid1986: 2 claims, $4,059 paid1987: 15 claims, $34,410 paid1988: 1 claims, $0 paid1989: 118 claims, $623,406 paid1990: 2 claims, $5,139 paid19901991: 12 claims, $68,533 paid1992: 3 claims, $0 paid1993: 1 claims, $0 paid1994: 9 claims, $24,462 paid1995: 6 claims, $54,311 paid1996: 82 claims, $1.3 million paid1997: 36 claims, $170,237 paid1998: 14 claims, $56,790 paid1999: 2 claims, $15,723 paid2000: 9 claims, $31,541 paid20002001: 11 claims, $109,864 paid2002: 86 claims, $881,008 paid2003: 74 claims, $716,631 paid2004: 24 claims, $277,355 paid2005: 1 claims, $13,439 paid2006: 1 claims, $0 paid2007: 32 claims, $333,209 paid2008: 1 claims, $0 paid2009: 223 claims, $7.5 million paid2010: 103 claims, $6.4 million paid20102011: 7 claims, $39,330 paid2012: 17 claims, $195,090 paid2013: 9 claims, $117,683 paid2014: 5 claims, $80,988 paid2015: 44 claims, $820,000 paid2016: 4 claims, $35,587 paid2017: 8 claims, $101,891 paid2018: 13 claims, $167,186 paid2019: 1 claims, $0 paid2020: 4 claims, $169,576 paid20202021: 44 claims, $892,498 paid2022: 136 claims, $4.5 million paid2023: 4 claims, $19,524 paid2024: 1 claims, $0 paid2025: 305 claims, $18.4 million paid2026: 7 claims, $26,780 paid
Claims per year of loss. Hover or tap a bar for details.
Show as a table
YearClaimsPaid
20267$26,780
2025305$18.4 million
20241$0
20234$19,524
2022136$4.5 million
202144$892,498
20204$169,576
20191$0
201813$167,186
20178$101,891
20164$35,587
201544$820,000
20145$80,988
20139$117,683
201217$195,090
20117$39,330
2010103$6.4 million
2009223$7.5 million
20081$0
200732$333,209
20061$0
20051$13,439
200424$277,355
200374$716,631
200286$881,008
200111$109,864
20009$31,541
19992$15,723
199814$56,790
199736$170,237
199682$1.3 million
19956$54,311
19949$24,462
19931$0
19923$0
199112$68,533
19902$5,139
1989118$623,406
19881$0
198715$34,410
19862$4,059
19853$18,000
1984653$10.3 million
19832$2,633
198215$43,581
1981113$707,147
198017$26,232
1979101$500,318
197899$401,449

Named flood events

EventYearClaimsPaid
February Kentucky Flooding2025300$18.3 million
Flooding1984650$10.3 million
Storm2009198$7.4 million
Late July Flooding202254$1.8 million
Flooding198992$572,740
Heavy rains200423$277,355
Not a named storm197842$232,076
Flooding199735$170,237

How many homes have flood insurance

FEMA counts 927 residential NFIP policies in Pike County, against 26,493 residential buildings (3.5%). Of the 3,461 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 741 have an NFIP policy (21%). 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
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-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-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-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-1925-KY Jul 23, 2010 Severe Storms, Flooding, and Mudslides Yes
DR-1841-KY May 29, 2009 Severe Storms, Tornadoes, Flooding and Mudslides Yes
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
DR-1454-KY Mar 14, 2003 Severe Winter Ice and Snow Storms, Heavy Rain, Flooding, Tornadoes, and Mud and 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:

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.