Out of 609 ZIP codes with data in Kentucky, these are the highest-ranked areas for historical nfip claims. See also: National ZIP Codes with the Most Historical NFIP Claims | All Kentucky Rankings
| Statistic | Value |
|---|---|
| ZIP codes ranked | 609 |
| Highest value | 1,649 claims |
| Median value | 7 claims |
| State | Kentucky |
Top 100 Worst ZIP Codes
| Rank | ZIP Code | City | State | Historical NFIP Claims | Safety Score |
|---|---|---|---|---|---|
| 1 | 40601 | Frankfort | KY | 1,649 claims | — |
| 2 | 40059 | Prospect | KY | 1,615 claims | 50/100 |
| 3 | 42240 | Hopkinsville | KY | 968 claims | 83/100 |
| 4 | 41501 | Pikeville | KY | 876 claims | 71/100 |
| 5 | 40207 | Louisville | KY | 718 claims | 50/100 |
| 6 | 40214 | Louisville | KY | 671 claims | 50/100 |
| 7 | 41144 | Greenup | KY | 608 claims | 64/100 |
| 8 | 40219 | Louisville | KY | 508 claims | 50/100 |
| 9 | 41514 | Belfry | KY | 504 claims | 77/100 |
| 10 | 40218 | Louisville | KY | 499 claims | 50/100 |
| 11 | 41653 | Prestonsburg | KY | 436 claims | — |
| 12 | 41701 | Hazard | KY | 433 claims | 80/100 |
| 13 | 41649 | Martin | KY | 429 claims | — |
| 14 | 40216 | Louisville | KY | 394 claims | 50/100 |
| 15 | 40361 | Paris | KY | 382 claims | — |
| 16 | 40213 | Louisville | KY | 348 claims | 50/100 |
| 17 | 40177 | West Point | KY | 342 claims | — |
| 18 | 40383 | Versailles | KY | 342 claims | — |
| 19 | 40965 | Middlesboro | KY | 328 claims | 83/100 |
| 20 | 41630 | Garrett | KY | 308 claims | — |
| 21 | 41102 | Ashland | KY | 300 claims | 61/100 |
| 22 | 40222 | Louisville | KY | 289 claims | 50/100 |
| 23 | 40391 | Winchester | KY | 280 claims | — |
| 24 | 40351 | Morehead | KY | 271 claims | — |
| 25 | 41666 | Wayland | KY | 270 claims | — |
| 26 | 40118 | Fairdale | KY | 263 claims | 50/100 |
| 27 | 42420 | Henderson | KY | 246 claims | — |
| 28 | 41164 | Olive Hill | KY | 232 claims | 80/100 |
| 29 | 40165 | Shepherdsville | KY | 230 claims | 50/100 |
| 30 | 41465 | Salyersville | KY | 227 claims | — |
| 31 | 40205 | Louisville | KY | 212 claims | 50/100 |
| 32 | 42301 | Owensboro | KY | 200 claims | 65/100 |
| 33 | 41224 | Inez | KY | 181 claims | — |
| 34 | 41645 | Langley | KY | 172 claims | — |
| 35 | 40330 | Harrodsburg | KY | 165 claims | — |
| 36 | 41339 | Jackson | KY | 165 claims | 75/100 |
| 37 | 42003 | Paducah | KY | 165 claims | 83/100 |
| 38 | 41240 | Paintsville | KY | 157 claims | — |
| 39 | 41040 | Falmouth | KY | 155 claims | — |
| 40 | 42701 | Elizabethtown | KY | 141 claims | 62/100 |
| 41 | 41031 | Cynthiana | KY | 139 claims | — |
| 42 | 41503 | South Williamson | KY | 139 claims | 77/100 |
| 43 | 41085 | Silver Grove | KY | 134 claims | — |
| 44 | 40150 | Lebanon Junction | KY | 128 claims | 49/100 |
| 45 | 41143 | Grayson | KY | 128 claims | 62/100 |
| 46 | 42451 | Reed | KY | 123 claims | — |
| 47 | 41016 | Covington | KY | 122 claims | — |
| 48 | 40977 | Pineville | KY | 117 claims | 81/100 |
| 49 | 41640 | Hueysville | KY | 117 claims | — |
| 50 | 40504 | Lexington | KY | 115 claims | 67/100 |
| 51 | 41601 | Allen | KY | 113 claims | — |
| 52 | 41002 | Augusta | KY | 111 claims | — |
| 53 | 40220 | Louisville | KY | 109 claims | 50/100 |
| 54 | 40831 | Harlan | KY | 109 claims | — |
| 55 | 40272 | Louisville | KY | 106 claims | 50/100 |
| 56 | 40390 | Wilmore | KY | 101 claims | 65/100 |
| 57 | 41074 | Dayton | KY | 100 claims | 83/100 |
| 58 | 41822 | Hindman | KY | 99 claims | — |
| 59 | 42001 | Paducah | KY | 98 claims | 83/100 |
| 60 | 41647 | Mc Dowell | KY | 97 claims | — |
| 61 | 41572 | Virgie | KY | 95 claims | 77/100 |
| 62 | 41635 | Harold | KY | 95 claims | — |
| 63 | 40312 | Clay City | KY | 94 claims | — |
| 64 | 40503 | Lexington | KY | 91 claims | 67/100 |
| 65 | 41858 | Whitesburg | KY | 91 claims | — |
| 66 | 42303 | Owensboro | KY | 91 claims | 66/100 |
| 67 | 40371 | Salt Lick | KY | 89 claims | — |
| 68 | 41231 | Lovely | KY | 86 claims | — |
| 69 | 41179 | Vanceburg | KY | 85 claims | — |
| 70 | 41073 | Bellevue | KY | 80 claims | 83/100 |
| 71 | 40515 | Lexington | KY | 79 claims | 67/100 |
| 72 | 40939 | Fourmile | KY | 79 claims | — |
| 73 | 41528 | Freeburn | KY | 79 claims | 77/100 |
| 74 | 40206 | Louisville | KY | 77 claims | 50/100 |
| 75 | 40475 | Richmond | KY | 76 claims | — |
| 76 | 40258 | Louisville | KY | 75 claims | 50/100 |
| 77 | 41655 | Printer | KY | 74 claims | — |
| 78 | 40077 | Westport | KY | 73 claims | 83/100 |
| 79 | 40806 | Baxter | KY | 72 claims | — |
| 80 | 40324 | Georgetown | KY | 69 claims | — |
| 81 | 40353 | Mount Sterling | KY | 68 claims | — |
| 82 | 41129 | Catlettsburg | KY | 67 claims | 64/100 |
| 83 | 41643 | Lackey | KY | 67 claims | — |
| 84 | 40107 | Boston | KY | 65 claims | — |
| 85 | 42327 | Calhoun | KY | 65 claims | — |
| 86 | 40359 | Owenton | KY | 64 claims | — |
| 87 | 41059 | Melbourne | KY | 64 claims | 83/100 |
| 88 | 42066 | Mayfield | KY | 64 claims | — |
| 89 | 41101 | Ashland | KY | 63 claims | 83/100 |
| 90 | 40356 | Nicholasville | KY | 62 claims | 65/100 |
| 91 | 41017 | Ft Mitchell | KY | 61 claims | — |
| 92 | 42101 | Bowling Green | KY | 60 claims | 57/100 |
| 93 | 40026 | Goshen | KY | 59 claims | 67/100 |
| 94 | 41168 | Rush | KY | 59 claims | 62/100 |
| 95 | 40299 | Louisville | KY | 57 claims | 50/100 |
| 96 | 41008 | Carrollton | KY | 57 claims | — |
| 97 | 41267 | Warfield | KY | 54 claims | — |
| 98 | 42371 | Rumsey | KY | 54 claims | — |
Methodology
This ranking uses historical FEMA National Flood Insurance Program claim records. The entity is not a complete inventory of properties, flood events, uninsured losses, or current FEMA map designations. ZIPs without claim evidence are unknown and are not ranked as zero or low risk.
Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-10-15.
Frequently Asked Questions
What does this ranking show?
It shows historical NFIP claim counts for ZIP records where FEMA claim evidence is available. It does not determine the current flood zone or risk of a specific property.
Where does the claim data come from?
The records come from FEMA National Flood Insurance Program claims. They do not include a complete inventory of uninsured losses or current property-map designations.
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