Data · June 2026 data · 14-month trend
Kentucky Flood Insurance Costs
In June 2026, the average premium among Kentucky NFIP policies newly written or renewed that month was $1,388. That runs +38.6% above the national average of $1,001. Costs have fallen 3.8% year over year. Across 1,620 transactions in 110 counties, the highest county-level average was $4,651 in Pendleton 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 — June 2026
- Average premium
- $1,388
- Avg total cost (with fees)
- $1,736
- Change (year over year)
- -3.8%
- vs national average
- +38.6%
- Policies written or renewed
- 1,620
- Counties reporting
- 110
Kentucky trend, last 14 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 | 2,012 | |
| July 2025 | $1,597 | $1,943 | 1,508 | |
| August 2025 | $1,374 | $1,745 | 1,644 | |
| September 2025 | $1,366 | $1,739 | 1,475 | |
| October 2025 | $1,400 | $1,772 | 1,313 | |
| November 2025 | $1,357 | $1,728 | 1,197 | |
| December 2025 | $1,217 | $1,565 | 1,450 | |
| January 2026 | $1,442 | $1,850 | 981 | |
| February 2026 | $1,466 | $1,864 | 1,141 | |
| March 2026 | $1,539 | $1,960 | 1,516 | |
| April 2026 | $1,369 | $1,752 | 1,343 | |
| May 2026 | $1,436 | $1,828 | 1,419 | |
| June 2026 | $1,388 | $1,736 | 1,620 |
County breakdown — June 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 |
|---|---|---|---|---|
| Pendleton County | $4,651 | $5,644 | 8 | |
| Morgan County | $3,713 | $4,623 | 4 | |
| Casey County | $3,581 | $4,522 | 3 | |
| Menifee County | $3,558 | $4,270 | 1 | |
| Spencer County | $3,511 | $4,215 | 2 | |
| Taylor County | $3,436 | $4,126 | 1 | |
| Butler County | $3,004 | $3,617 | 1 | |
| Clay County | $2,856 | $3,498 | 4 | |
| Muhlenberg County | $2,530 | $3,170 | 4 | |
| FIPS 21000 | $2,400 | $2,400 | 90 | |
| Lawrence County | $2,302 | $2,901 | 4 | |
| Leslie County | $2,278 | $2,761 | 3 | |
| Martin County | $2,268 | $2,823 | 12 | |
| Perry County | $2,259 | $2,793 | 12 | |
| Franklin County | $2,257 | $2,795 | 19 | |
| Floyd County | $2,226 | $2,824 | 52 | |
| Clark County | $2,201 | $2,759 | 10 | |
| Wayne County | $2,189 | $2,655 | 1 | |
| Woodford County | $2,170 | $2,717 | 16 | |
| Mercer County | $1,964 | $2,439 | 9 | |
| Bourbon County | $1,955 | $2,404 | 9 | |
| Boyle County | $1,911 | $2,402 | 6 | |
| Hopkins County | $1,871 | $2,330 | 9 | |
| Bell County | $1,849 | $2,321 | 10 | |
| Monroe County | $1,840 | $2,243 | 1 | |
| Scott County | $1,811 | $2,338 | 7 | |
| Pike County | $1,797 | $2,238 | 73 | |
| Harrison County | $1,764 | $2,250 | 7 | |
| Breathitt County | $1,760 | $2,190 | 11 | |
| Oldham County | $1,716 | $2,136 | 23 | |
| Kenton County | $1,656 | $2,069 | 21 | |
| Bracken County | $1,629 | $2,069 | 6 | |
| Mason County | $1,619 | $1,982 | 1 | |
| Marshall County | $1,617 | $2,121 | 8 | |
| Lewis County | $1,586 | $2,069 | 9 | |
| Warren County | $1,569 | $2,014 | 10 | |
| Grayson County | $1,564 | $1,918 | 1 | |
| Johnson County | $1,543 | $1,921 | 16 | |
| Livingston County | $1,528 | $1,988 | 6 | |
| Letcher County | $1,525 | $1,887 | 14 | |
| Webster County | $1,509 | $1,853 | 2 | |
| McLean County | $1,497 | $1,871 | 7 | |
| Powell County | $1,487 | $1,944 | 21 | |
| Boyd County | $1,485 | $1,887 | 25 | |
| Whitley County | $1,471 | $1,808 | 2 | |
| Greenup County | $1,458 | $1,833 | 22 | |
| Jackson County | $1,423 | $1,807 | 4 | |
| Robertson County | $1,392 | $1,715 | 1 | |
| Barren County | $1,297 | $1,677 | 6 | |
| Nicholas County | $1,291 | $1,595 | 1 | |
| Fleming County | $1,278 | $1,692 | 2 | |
| Rowan County | $1,252 | $1,617 | 20 | |
| Madison County | $1,241 | $1,637 | 36 | |
| Knox County | $1,235 | $1,550 | 11 | |
| Breckinridge County | $1,232 | $1,638 | 4 | |
| Hancock County | $1,229 | $1,567 | 5 | |
| Montgomery County | $1,223 | $1,676 | 7 | |
| Estill County | $1,212 | $1,534 | 7 | |
| Jessamine County | $1,207 | $1,497 | 13 | |
| Harlan County | $1,195 | $1,520 | 35 | |
| Carter County | $1,190 | $1,576 | 9 | |
| Henderson County | $1,190 | $1,557 | 25 | |
| McCracken County | $1,189 | $1,531 | 12 | |
| Anderson County | $1,180 | $1,464 | 5 | |
| Boone County | $1,155 | $1,467 | 7 | |
| Trigg County | $1,142 | $1,419 | 2 | |
| Jefferson County | $1,133 | $1,468 | 398 | |
| Adair County | $1,132 | $1,408 | 1 | |
| Pulaski County | $1,131 | $1,632 | 1 | |
| Lee County | $1,128 | $1,403 | 1 | |
| Elliott County | $1,127 | $1,458 | 4 | |
| Trimble County | $1,125 | $1,399 | 3 | |
| Christian County | $1,122 | $1,432 | 44 | |
| Fayette County | $1,120 | $1,484 | 50 | |
| Meade County | $1,111 | $1,383 | 3 | |
| Bullitt County | $1,079 | $1,384 | 58 | |
| Fulton County | $1,079 | $1,345 | 2 | |
| Washington County | $1,077 | $1,455 | 2 | |
| Laurel County | $1,025 | $1,281 | 3 | |
| Magoffin County | $1,006 | $1,279 | 11 | |
| Grant County | $990 | $1,240 | 3 | |
| Henry County | $979 | $1,227 | 2 | |
| Gallatin County | $881 | $1,247 | 5 | |
| Graves County | $880 | $1,111 | 4 | |
| Calloway County | $859 | $1,085 | 9 | |
| Marion County | $794 | $1,009 | 2 | |
| Daviess County | $793 | $1,037 | 62 | |
| Crittenden County | $791 | $1,006 | 3 | |
| Union County | $782 | $995 | 3 | |
| Todd County | $774 | $1,210 | 1 | |
| Logan County | $755 | $1,038 | 3 | |
| Owsley County | $745 | $951 | 1 | |
| Metcalfe County | $737 | $1,091 | 6 | |
| Carroll County | $737 | $1,016 | 6 | |
| Bath County | $736 | $1,016 | 6 | |
| Garrard County | $734 | $938 | 1 | |
| Hart County | $729 | $932 | 2 | |
| Nelson County | $718 | $975 | 4 | |
| Shelby County | $715 | $991 | 3 | |
| Ballard County | $697 | $1,045 | 3 | |
| Knott County | $696 | $893 | 3 | |
| Hardin County | $692 | $905 | 27 | |
| Caldwell County | $665 | $857 | 3 | |
| Larue County | $597 | $1,001 | 1 | |
| Campbell County | $566 | $757 | 73 | |
| Ohio County | $494 | $880 | 1 | |
| Owen County | $452 | $605 | 4 | |
| Simpson County | $442 | $594 | 1 | |
| Carlisle County | $432 | $582 | 1 | |
| Allen County | $337 | $470 | 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 (NFIP Redacted Policies v3).
"Kentucky Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, June 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/kentucky
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.