Everything You Need to Know About Flood Insurance in Kentucky

If you have a federally-backed mortgage and live in a high-risk zone, you are required to have flood insurance in Kentucky.
Written by Kara Vanderbeek
Reviewed by Melanie Reiff
residents living in high-risk flooding zones with federally-assisted mortgages are required by law to purchase additional flood insurance. 
Flooding is Kentucky’s most frequent, dangerous, and costly disaster. While it seems there should be no question as to whether homeowners have flood insurance, the common misperception that flooding is covered under standard policies leaves many homeowners in trouble when a flood hits. 
When it comes to flooding in Kentucky, residents should prepare for the inevitable by having additional insurance coverage, regardless of their risk zone or federal requirement. To answer all of your flood insurance-related questions, home and
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has created this guide to flood insurance in Kentucky.
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What is flood insurance?

Flood insurance is a type of homeowners insurance that covers damages and losses to a property due to flooding
While damages from other types of water damage, such as a burst pipe, are typically covered under a standard policy, damages sustained by flooding are not covered by standard homeowners insurance. 
Those living in high-risk areas often need to buy separate flood coverage to protect their dwelling.

What does flood insurance cover?

Flood insurance can provide financial protection for both the structure of your home under building coverage and for any losses to your personal belongings with contents coverage.
Keep in mind that flood insurance cannot protect every item in your home, nor can it cover every type of flooding. When it comes to coverage, the cause of flooding matters, and your policy will only cover losses that were the direct result of a weather-related flood.
For the purposes of your policy, a flood is defined as an excess of water on land that is usually dry, affecting two or more acres or multiple properties.
For example, water damage from a sewer backup not directly caused by flooding would not be covered. 
While cars, personal property left in basements, and additional living expenses incurred as the result of a flood are not covered, you can expect furnaces, electrical systems, jewelry, carpeting, clothing, and more to be protected. 
Here’s a more detailed outline of what’s covered (and what isn’t) under each type of insurance:
Type of coverage
What it covers
What it doesn’t cover
Electrical and plumbing systems Water heaters and furnaces Large appliances like dishwashers or refrigerators Permanently installed bookcases, cabinets, and paneling Permanently installed carpets Window blinds Foundational walls, staircases, and anchorages Detached garages Fuel tanks, solar panels, and well water tanks/pumps
Decks and patios Swimming pools Fences and landscaping
Clothing Furniture Electronic equipment Curtains Washing machine and dryer Portable air conditioners, including window units Carpets not included in building coverage Valuables such as artwork up to $2,500
Valuable papers Currency Anything stored in a basement

Do you need flood insurance in Kentucky?

Federal law requires homeowners to have flood insurance if they have a federally backed mortgage and if their property is located in a high-risk flood area (Special Flood Hazard Areas or SFHAs).
While flood insurance in moderate-to-low risk areas is not federally required, a lender may still require it. 
It’s important to recognize that every dwelling has some level of risk, regardless of the designated risk area. Historically, one-in-four flood claims have come from homeowners in moderate-to-low risk areas.
To provide financial protection to homeowners, Congress created the
National Flood Insurance Program (NFIP)
to offer insurance coverage in accordance with a property’s level of risk, as determined by the Federal Emergency Management Agency (FEMA). 
Although the NFIP manages flood insurance, the actual policy will come from a private company like
However, living in a FEMA-designated high-risk area is not a requirement to purchase flood insurance, and if you do not live in an NFIP participating community, you can still purchase flood insurance directly through a private provider.

What flood zones require flood insurance in Kentucky?

Kentucky flood zones are identified by FEMA through the Risk MAP program and are indicated on flood maps called Flood Insurance Rate Maps (FIRMs).
Flooding zones are identified as high-, moderate-, or low-risk, with high-risk areas indicated on flood maps as A or AE zones. Properties with federally-backed mortgages in high risk zones are required to have flood insurance.
To find your zone’s level of risk, use FEMA’s
Flood Map Service Center
Flood Factor®
Key Takeaway If you live in a designated high-risk flood zone (starting with A or AE) and have a government mortgage, you must purchase flood insurance. 

How much does flood insurance cost in Kentucky?

Through the NFIP, Kentucky premiums are higher than the national average of $958 per year, costing an average of $1109 annually
Keep in mind that properties located in SFHAs will have higher insurance premiums than those located in low- to moderate-risk areas.
With the NFIP’s new Risk Rating 2.0 methodology, it is estimated that about 23% of flood insurance premiums nationwide will drop by April 2022. However, it is expected that 72% of Kentucky policies will rise by at least $10 a month

How to save money on flood and auto insurance in Kentucky 

You can reduce the cost of flood insurance in Kentucky by: 
While purchasing additional coverage for flooding will protect your home, the coverage will not extend to vehicle protection. Make sure your ride’s protected in the event of a flood by shopping for auto insurance with the
app. In less than a minute, insurance experts will find you competitive quotes from top insurance providers. 
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was helpful every step of the way. They saved me over $100 a month for insurance in Kentucky.” —Jim F.
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