Data · July 2026 data · 15-month trend
Kentucky Flood Insurance Costs
In July 2026, the average premium among Kentucky NFIP policies newly written or renewed that month was $1,522. That runs +54.4% above the national average of $986. Costs have fallen 4.7% year over year. Across 1,277 transactions in 106 counties, the highest county-level average was $6,537 in Bracken 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 — July 2026
- Average premium
- $1,522
- Avg total cost (with fees)
- $1,925
- Change (year over year)
- -4.7%
- vs national average
- +54.4%
- Policies written or renewed
- 1,277
- Counties reporting
- 106
Kentucky trend, last 15 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 | |
| July 2026 | $1,522 | $1,925 | 1,277 |
County breakdown — July 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 |
|---|---|---|---|---|
| Bracken County | $6,537 | $8,011 | 1 | |
| Letcher County | $5,758 | $6,999 | 17 | |
| Franklin County | $3,771 | $4,590 | 13 | |
| Todd County | $3,520 | $4,300 | 3 | |
| Whitley County | $3,476 | $4,314 | 8 | |
| Mason County | $3,417 | $4,103 | 3 | |
| Wayne County | $2,830 | $3,486 | 3 | |
| Pike County | $2,594 | $3,189 | 72 | |
| Johnson County | $2,567 | $3,131 | 15 | |
| Fleming County | $2,548 | $3,123 | 5 | |
| FIPS 21000 | $2,400 | $2,400 | 1 | |
| Mercer County | $2,380 | $2,909 | 8 | |
| Lewis County | $2,102 | $2,552 | 5 | |
| Knott County | $2,100 | $2,550 | 3 | |
| Martin County | $2,071 | $2,544 | 8 | |
| Perry County | $2,067 | $2,541 | 15 | |
| Montgomery County | $1,902 | $2,316 | 3 | |
| Floyd County | $1,891 | $2,390 | 52 | |
| Lee County | $1,870 | $2,279 | 1 | |
| Boyd County | $1,809 | $2,246 | 23 | |
| Jackson County | $1,755 | $2,368 | 1 | |
| Clay County | $1,686 | $2,061 | 3 | |
| Magoffin County | $1,656 | $2,082 | 4 | |
| Edmonson County | $1,621 | $2,097 | 2 | |
| Harrison County | $1,611 | $2,048 | 9 | |
| Hardin County | $1,579 | $2,003 | 30 | |
| Woodford County | $1,569 | $1,966 | 16 | |
| Metcalfe County | $1,565 | $2,144 | 1 | |
| Campbell County | $1,557 | $1,980 | 35 | |
| Shelby County | $1,550 | $1,976 | 6 | |
| Clark County | $1,532 | $1,918 | 6 | |
| Henderson County | $1,509 | $1,906 | 17 | |
| Leslie County | $1,499 | $1,840 | 3 | |
| Bourbon County | $1,499 | $1,840 | 12 | |
| Gallatin County | $1,457 | $1,848 | 4 | |
| Harlan County | $1,439 | $1,780 | 23 | |
| Rowan County | $1,435 | $1,920 | 19 | |
| Oldham County | $1,429 | $1,815 | 8 | |
| Bell County | $1,403 | $1,777 | 18 | |
| Lawrence County | $1,393 | $1,829 | 4 | |
| Jessamine County | $1,384 | $1,866 | 7 | |
| Russell County | $1,369 | $1,912 | 1 | |
| Carter County | $1,352 | $1,695 | 16 | |
| Nelson County | $1,327 | $1,683 | 10 | |
| Logan County | $1,327 | $1,822 | 11 | |
| Breathitt County | $1,323 | $1,633 | 5 | |
| Rockcastle County | $1,323 | $1,745 | 2 | |
| Scott County | $1,305 | $1,653 | 11 | |
| Graves County | $1,292 | $1,686 | 5 | |
| Clinton County | $1,291 | $1,595 | 1 | |
| Jefferson County | $1,291 | $1,650 | 283 | |
| Powell County | $1,245 | $1,591 | 9 | |
| Boyle County | $1,229 | $1,598 | 6 | |
| Boone County | $1,205 | $1,539 | 5 | |
| Pendleton County | $1,201 | $1,569 | 17 | |
| Kenton County | $1,196 | $1,498 | 16 | |
| Christian County | $1,193 | $1,535 | 28 | |
| Bath County | $1,180 | $1,465 | 2 | |
| Bullitt County | $1,172 | $1,483 | 48 | |
| Marion County | $1,166 | $1,537 | 5 | |
| Daviess County | $1,165 | $1,509 | 65 | |
| McLean County | $1,160 | $1,473 | 7 | |
| Green County | $1,149 | $1,428 | 2 | |
| Casey County | $1,142 | $1,420 | 1 | |
| Taylor County | $1,121 | $1,485 | 5 | |
| McCracken County | $1,114 | $1,419 | 21 | |
| Hart County | $1,068 | $1,445 | 2 | |
| Greenup County | $1,068 | $1,364 | 21 | |
| Hancock County | $1,060 | $1,368 | 5 | |
| Garrard County | $1,051 | $1,313 | 4 | |
| Warren County | $1,048 | $1,347 | 18 | |
| Allen County | $1,045 | $1,306 | 2 | |
| Morgan County | $1,033 | $1,381 | 5 | |
| Spencer County | $1,030 | $1,287 | 1 | |
| Knox County | $1,024 | $1,405 | 9 | |
| Estill County | $1,013 | $1,267 | 2 | |
| Carroll County | $1,004 | $1,382 | 9 | |
| Meade County | $991 | $1,316 | 3 | |
| Marshall County | $986 | $1,386 | 9 | |
| Muhlenberg County | $977 | $1,337 | 2 | |
| Madison County | $971 | $1,247 | 15 | |
| Anderson County | $957 | $1,276 | 3 | |
| Webster County | $930 | $1,170 | 3 | |
| Trimble County | $927 | $1,166 | 2 | |
| Menifee County | $923 | $1,218 | 4 | |
| Livingston County | $921 | $1,158 | 3 | |
| Owen County | $912 | $1,223 | 3 | |
| Fayette County | $897 | $1,175 | 40 | |
| Hopkins County | $887 | $1,119 | 5 | |
| Ohio County | $883 | $1,227 | 2 | |
| Adair County | $882 | $1,112 | 3 | |
| Pulaski County | $836 | $1,058 | 3 | |
| Laurel County | $831 | $1,053 | 1 | |
| Henry County | $761 | $1,082 | 2 | |
| Nicholas County | $706 | $980 | 3 | |
| Calloway County | $674 | $924 | 4 | |
| Trigg County | $636 | $822 | 2 | |
| Ballard County | $630 | $928 | 2 | |
| Caldwell County | $594 | $829 | 4 | |
| Butler County | $572 | $972 | 1 | |
| Breckinridge County | $547 | $717 | 1 | |
| Fulton County | $515 | $680 | 1 | |
| Simpson County | $462 | $692 | 3 | |
| Union County | $403 | $773 | 1 | |
| Crittenden County | $401 | $545 | 1 | |
| Barren County | $327 | $627 | 4 |
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, July 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.