Data · May 2026 data · 13-month trend
Kentucky Flood Insurance Costs
In May 2026, the average premium among Kentucky NFIP policies newly written or renewed that month was $1,444. That runs +47.0% above the national average of $982. Costs have risen 6.6% year over year. Across 1,361 transactions in 103 counties, the highest county-level average was $5,186 in Martin County.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — May 2026
- Average premium
- $1,444
- Avg total cost (with fees)
- $1,837
- Change (year over year)
- +6.6%
- vs national average
- +47.0%
- Policies written or renewed
- 1,361
- Counties reporting
- 103
Kentucky trend, last 13 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,355 | $1,708 | 1,562 | |
| June 2025 | $1,442 | $1,717 | 2,010 | |
| July 2025 | $1,597 | $1,942 | 1,506 | |
| August 2025 | $1,374 | $1,746 | 1,644 | |
| September 2025 | $1,365 | $1,739 | 1,472 | |
| October 2025 | $1,400 | $1,771 | 1,312 | |
| November 2025 | $1,357 | $1,728 | 1,197 | |
| December 2025 | $1,212 | $1,559 | 1,446 | |
| January 2026 | $1,440 | $1,847 | 979 | |
| February 2026 | $1,454 | $1,850 | 1,140 | |
| March 2026 | $1,534 | $1,954 | 1,509 | |
| April 2026 | $1,371 | $1,753 | 1,339 | |
| May 2026 | $1,444 | $1,837 | 1,361 |
County breakdown — May 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Martin County | $5,186 | $6,304 | 12 | |
| Woodford County | $5,092 | $6,235 | 16 | |
| Grant County | $4,246 | $5,082 | 1 | |
| Fulton County | $4,035 | $5,058 | 2 | |
| Henry County | $3,626 | $4,350 | 2 | |
| Mercer County | $3,401 | $4,198 | 4 | |
| Franklin County | $3,159 | $3,912 | 22 | |
| Clark County | $2,688 | $3,312 | 10 | |
| Nicholas County | $2,662 | $3,382 | 4 | |
| Knott County | $2,572 | $3,219 | 6 | |
| Perry County | $2,541 | $3,115 | 10 | |
| Bracken County | $2,329 | $2,820 | 4 | |
| Laurel County | $2,280 | $2,875 | 4 | |
| Floyd County | $2,233 | $2,771 | 28 | |
| Spencer County | $2,106 | $2,558 | 2 | |
| Boyd County | $2,100 | $2,641 | 15 | |
| Henderson County | $2,083 | $2,601 | 19 | |
| Oldham County | $2,064 | $2,552 | 15 | |
| Pike County | $2,002 | $2,490 | 69 | |
| Powell County | $1,973 | $2,457 | 8 | |
| Johnson County | $1,952 | $2,450 | 15 | |
| FIPS 21000 | $1,913 | $2,027 | 5 | |
| Garrard County | $1,897 | $2,422 | 2 | |
| Montgomery County | $1,886 | $2,298 | 2 | |
| Webster County | $1,860 | $2,267 | 1 | |
| Lawrence County | $1,847 | $2,252 | 2 | |
| Lincoln County | $1,829 | $2,230 | 1 | |
| Letcher County | $1,817 | $2,303 | 13 | |
| Bell County | $1,770 | $2,244 | 19 | |
| Breathitt County | $1,759 | $2,277 | 7 | |
| Larue County | $1,722 | $2,104 | 3 | |
| Bourbon County | $1,674 | $2,186 | 13 | |
| Fleming County | $1,654 | $2,023 | 2 | |
| Harrison County | $1,652 | $2,190 | 24 | |
| Gallatin County | $1,614 | $1,977 | 7 | |
| Scott County | $1,607 | $2,058 | 10 | |
| Trimble County | $1,604 | $2,010 | 5 | |
| Barren County | $1,566 | $1,995 | 3 | |
| Hopkins County | $1,530 | $1,927 | 9 | |
| Jackson County | $1,516 | $1,973 | 2 | |
| Knox County | $1,442 | $1,773 | 4 | |
| Meade County | $1,407 | $1,788 | 4 | |
| Carroll County | $1,386 | $1,804 | 7 | |
| Rowan County | $1,380 | $1,813 | 18 | |
| Hart County | $1,380 | $1,756 | 4 | |
| Clay County | $1,375 | $1,769 | 3 | |
| Whitley County | $1,329 | $1,641 | 8 | |
| Butler County | $1,306 | $1,838 | 3 | |
| Pendleton County | $1,294 | $1,662 | 18 | |
| Bullitt County | $1,269 | $1,624 | 46 | |
| Magoffin County | $1,268 | $1,569 | 5 | |
| Jefferson County | $1,243 | $1,590 | 346 | |
| Christian County | $1,237 | $1,623 | 27 | |
| Menifee County | $1,233 | $1,640 | 2 | |
| Wayne County | $1,226 | $1,631 | 4 | |
| Hardin County | $1,215 | $1,560 | 21 | |
| McCracken County | $1,195 | $1,482 | 10 | |
| McLean County | $1,194 | $1,481 | 1 | |
| Livingston County | $1,190 | $1,476 | 2 | |
| Fayette County | $1,188 | $1,510 | 37 | |
| Warren County | $1,181 | $1,526 | 11 | |
| Harlan County | $1,167 | $1,503 | 21 | |
| Clinton County | $1,132 | $1,408 | 1 | |
| Graves County | $1,132 | $1,408 | 1 | |
| Madison County | $1,130 | $1,481 | 18 | |
| Trigg County | $1,118 | $1,448 | 4 | |
| Boyle County | $1,094 | $1,363 | 3 | |
| Marshall County | $1,090 | $1,536 | 14 | |
| Hancock County | $1,089 | $1,382 | 9 | |
| Todd County | $1,087 | $1,355 | 1 | |
| Estill County | $1,072 | $1,412 | 3 | |
| Crittenden County | $1,048 | $1,309 | 1 | |
| Russell County | $1,046 | $1,532 | 4 | |
| Rockcastle County | $1,027 | $1,284 | 1 | |
| Nelson County | $1,016 | $1,327 | 4 | |
| Logan County | $992 | $1,454 | 16 | |
| Grayson County | $932 | $1,172 | 3 | |
| Breckinridge County | $922 | $1,235 | 3 | |
| Greenup County | $901 | $1,182 | 29 | |
| Leslie County | $897 | $1,130 | 2 | |
| Washington County | $896 | $1,242 | 2 | |
| Calloway County | $893 | $1,157 | 7 | |
| Carter County | $863 | $1,203 | 12 | |
| Shelby County | $845 | $1,114 | 5 | |
| Campbell County | $817 | $1,095 | 42 | |
| Anderson County | $809 | $1,027 | 1 | |
| Daviess County | $786 | $1,019 | 46 | |
| Muhlenberg County | $764 | $974 | 1 | |
| Owen County | $760 | $968 | 2 | |
| Boone County | $747 | $998 | 5 | |
| Casey County | $743 | $1,061 | 2 | |
| Kenton County | $692 | $877 | 74 | |
| Simpson County | $679 | $949 | 3 | |
| Adair County | $639 | $826 | 1 | |
| Owsley County | $633 | $819 | 2 | |
| Allen County | $621 | $1,030 | 1 | |
| Jessamine County | $609 | $813 | 10 | |
| Pulaski County | $605 | $861 | 3 | |
| Caldwell County | $553 | $725 | 1 | |
| Bath County | $465 | $804 | 11 | |
| Ballard County | $432 | $582 | 3 | |
| Taylor County | $239 | $579 | 1 | |
| Lewis County | $216 | $552 | 1 |
Use this data
Download Kentucky CSV (kentucky.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (FimaNfipPolicies).
"Kentucky Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/kentucky
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.