Updated April 2026
Flood Risk in Kentucky
Kentucky has 121 counties with flood risk data, 317 total NFIP flood insurance claims, and an average risk score of 10 out of 100.
121
Counties
317
NFIP Claims
$9,871,014
Total Payouts
10
Avg Risk Score
Grade Distribution
A
119
counties
B
2
counties
C
0
counties
D
0
counties
F
0
counties
All 121 Counties in Kentucky
Sorted by flood risk score, highest to lowest.
| # | County | Grade | Score | Claims | Payouts | Disasters |
|---|---|---|---|---|---|---|
| 1 | Pike | B | 24 | 21 | $1,113,678 | 16 |
| 2 | Letcher | B | 23 | 11 | $580,215 | 15 |
| 3 | Hardin | A | 18 | 11 | $208,186 | 5 |
| 4 | Breathitt | A | 16 | 12 | $495,407 | 15 |
| 5 | Knott | A | 15 | 3 | $202,736 | 14 |
| 6 | Leslie | A | 15 | 0 | $0 | 13 |
| 7 | Magoffin | A | 15 | 2 | $30,834 | 14 |
| 8 | Owsley | A | 15 | 0 | $0 | 13 |
| 9 | McCracken | A | 15 | 12 | $449,427 | 6 |
| 10 | Johnson | A | 14 | 5 | $75,752 | 12 |
| 11 | Floyd | A | 14 | 26 | $695,161 | 13 |
| 12 | Perry | A | 14 | 6 | $108,368 | 12 |
| 13 | Knox | A | 14 | 0 | $0 | 12 |
| 14 | Lawrence | A | 14 | 1 | $4,443 | 12 |
| 15 | Harlan | A | 13 | 0 | $0 | 10 |
| 16 | Clay | A | 13 | 2 | $69,664 | 10 |
| 17 | Lee | A | 13 | 0 | $0 | 10 |
| 18 | Martin | A | 13 | 2 | $2,559 | 10 |
| 19 | Whitley | A | 13 | 1 | $1,252 | 10 |
| 20 | Bell | A | 13 | 2 | $16,641 | 10 |
| 21 | Greenup | A | 13 | 10 | $343,511 | 6 |
| 22 | Casey | A | 12 | 1 | $51,832 | 8 |
| 23 | Powell | A | 12 | 2 | $28,593 | 9 |
| 24 | Wolfe | A | 12 | 0 | $0 | 9 |
| 25 | Carter | A | 12 | 4 | $54,092 | 8 |
| 26 | Bullitt | A | 12 | 3 | $24,397 | 8 |
| 27 | Lincoln | A | 11 | 0 | $0 | 7 |
| 28 | Elliott | A | 11 | 0 | $0 | 6 |
| 29 | Boyd | A | 11 | 3 | $51,211 | 7 |
| 30 | Estill | A | 11 | 2 | $25,433 | 6 |
| 31 | Franklin | A | 11 | 8 | $534,443 | 7 |
| 32 | Jackson | A | 11 | 0 | $0 | 7 |
| 33 | Madison | A | 11 | 1 | $397 | 6 |
| 34 | Morgan | A | 11 | 0 | $0 | 7 |
| 35 | Fulton | A | 11 | 0 | $0 | 6 |
| 36 | Metcalfe | A | 11 | 0 | $0 | 6 |
| 37 | Owen | A | 11 | 1 | $41,259 | 6 |
| 38 | Cumberland | A | 10 | 0 | $0 | 4 |
| 39 | Ballard | A | 10 | 0 | $0 | 5 |
| 40 | Calloway | A | 10 | 1 | $107,930 | 4 |
| 41 | Graves | A | 10 | 1 | $127,000 | 5 |
| 42 | Ohio | A | 10 | 0 | $0 | 5 |
| 43 | Anderson | A | 10 | 0 | $0 | 5 |
| 44 | Fayette | A | 10 | 3 | $14,612 | 4 |
| 45 | Jessamine | A | 10 | 4 | $232,712 | 4 |
| 46 | Warren | A | 10 | 1 | $223,624 | 4 |
| 47 | Woodford | A | 10 | 4 | $108,955 | 5 |
| 48 | Clark | A | 10 | 4 | $41,834 | 5 |
| 49 | Rockcastle | A | 10 | 1 | $11,938 | 5 |
| 50 | Butler | A | 10 | 1 | $20,120 | 5 |
| 51 | Caldwell | A | 10 | 0 | $0 | 4 |
| 52 | Carlisle | A | 10 | 0 | $0 | 4 |
| 53 | Carroll | A | 10 | 1 | $81,126 | 5 |
| 54 | Henry | A | 10 | 0 | $0 | 4 |
| 55 | Hickman | A | 10 | 0 | $0 | 5 |
| 56 | Livingston | A | 10 | 1 | $2,595 | 4 |
| 57 | Spencer | A | 10 | 1 | $9,179 | 4 |
| 58 | Trigg | A | 10 | 0 | $0 | 4 |
| 59 | Trimble | A | 10 | 0 | $0 | 5 |
| 60 | Washington | A | 10 | 1 | $56,491 | 4 |
| 61 | Webster | A | 10 | 0 | $0 | 4 |
| 62 | Bath | A | 10 | 3 | $44,443 | 5 |
| 63 | Bourbon | A | 10 | 6 | $109,163 | 5 |
| 64 | Fleming | A | 10 | 0 | $0 | 4 |
| 65 | Harrison | A | 10 | 0 | $0 | 4 |
| 66 | Hart | A | 10 | 1 | $0 | 4 |
| 67 | Larue | A | 10 | 0 | $0 | 5 |
| 68 | Lewis | A | 10 | 2 | $20,479 | 5 |
| 69 | Marshall | A | 10 | 2 | $2,494 | 4 |
| 70 | Nicholas | A | 10 | 0 | $0 | 4 |
| 71 | Rowan | A | 10 | 1 | $50,000 | 5 |
| 72 | Nelson | A | 10 | 3 | $34,754 | 4 |
| 73 | Statewide | A | 10 | 0 | $0 | 4 |
| 74 | Edmonson | A | 9 | 0 | $0 | 3 |
| 75 | Marion | A | 9 | 0 | $0 | 3 |
| 76 | Mason | A | 9 | 1 | $0 | 3 |
| 77 | Menifee | A | 9 | 0 | $0 | 3 |
| 78 | Union | A | 9 | 0 | $0 | 3 |
| 79 | Laurel | A | 9 | 0 | $0 | 3 |
| 80 | Pulaski | A | 9 | 0 | $0 | 3 |
| 81 | Campbell | A | 9 | 4 | $39,144 | 2 |
| 82 | Crittenden | A | 9 | 0 | $0 | 2 |
| 83 | Gallatin | A | 9 | 2 | $59,644 | 3 |
| 84 | Grant | A | 9 | 0 | $0 | 3 |
| 85 | Hancock | A | 9 | 1 | $15,623 | 3 |
| 86 | Henderson | A | 9 | 5 | $235,279 | 2 |
| 87 | Kenton | A | 9 | 5 | $27,519 | 2 |
| 88 | McLean | A | 9 | 1 | $52,617 | 3 |
| 89 | Pendleton | A | 9 | 0 | $0 | 3 |
| 90 | Daviess | A | 9 | 6 | $44,172 | 2 |
| 91 | Robertson | A | 9 | 0 | $0 | 2 |
| 92 | Scott | A | 9 | 0 | $0 | 2 |
| 93 | Allen | A | 9 | 0 | $0 | 3 |
| 94 | Christian | A | 9 | 6 | $332,834 | 3 |
| 95 | Grayson | A | 9 | 0 | $0 | 2 |
| 96 | Hopkins | A | 9 | 3 | $108,296 | 3 |
| 97 | Logan | A | 9 | 0 | $0 | 2 |
| 98 | Mercer | A | 9 | 2 | $245,927 | 3 |
| 99 | Monroe | A | 9 | 0 | $0 | 2 |
| 100 | Montgomery | A | 9 | 2 | $84,280 | 2 |
| 101 | Muhlenberg | A | 9 | 1 | $22,809 | 3 |
| 102 | Simpson | A | 9 | 0 | $0 | 3 |
| 103 | Todd | A | 9 | 0 | $0 | 2 |
| 104 | Wayne | A | 9 | 0 | $0 | 3 |
| 105 | Adair | A | 8 | 0 | $0 | 1 |
| 106 | Barren | A | 8 | 1 | $43,587 | 1 |
| 107 | Boone | A | 8 | 0 | $0 | 1 |
| 108 | Boyle | A | 8 | 0 | $0 | 1 |
| 109 | Bracken | A | 8 | 0 | $0 | 1 |
| 110 | Breckinridge | A | 8 | 0 | $0 | 1 |
| 111 | Clinton | A | 8 | 0 | $0 | 1 |
| 112 | Garrard | A | 8 | 0 | $0 | 1 |
| 113 | Green | A | 8 | 0 | $0 | 1 |
| 114 | Lyon | A | 8 | 0 | $0 | 1 |
| 115 | McCreary | A | 8 | 0 | $0 | 1 |
| 116 | Meade | A | 8 | 1 | $3,011 | 1 |
| 117 | Russell | A | 8 | 0 | $0 | 1 |
| 118 | Shelby | A | 8 | 3 | $1,802 | 1 |
| 119 | Taylor | A | 8 | 0 | $0 | 1 |
| 120 | Oldham | A | 6 | 16 | $687,515 | 2 |
| 121 | Jefferson | A | 5 | 63 | $1,358,015 | 5 |