ZIP Codes with Highest Flood Risk in Kentucky

Out of 608 ZIP codes with data in Kentucky, these are the highest-ranked areas for flood claims. See also: National ZIP Codes with Highest Flood Risk | All Kentucky Rankings

Statistic	Value
ZIP codes ranked	608
Highest value	1,649 claims
Median value	7 claims
State	Kentucky

Top 100 Worst ZIP Codes

Rank	ZIP Code	City	State	Flood Claims	Safety Score
1	40601	Frankfort	KY	1,649 claims	48/100
2	40059	Prospect	KY	1,612 claims	30/100
3	42240	Hopkinsville	KY	968 claims	60/100
4	41501	Pikeville	KY	875 claims	43/100
5	40207	Louisville	KY	717 claims	55/100
6	40214	Louisville	KY	671 claims	55/100
7	41144	Greenup	KY	608 claims	68/100
8	40219	Louisville	KY	507 claims	55/100
9	41514	Belfry	KY	504 claims	45/100
10	40218	Louisville	KY	499 claims	55/100
11	41653	Prestonsburg	KY	434 claims	60/100
12	41701	Hazard	KY	433 claims	59/100
13	41649	Martin	KY	429 claims	57/100
14	40216	Louisville	KY	394 claims	55/100
15	40361	Paris	KY	381 claims	52/100
16	40213	Louisville	KY	347 claims	55/100
17	40383	Versailles	KY	342 claims	47/100
18	40177	West Point	KY	341 claims	45/100
19	40965	Middlesboro	KY	327 claims	68/100
20	41630	Garrett	KY	308 claims	68/100
21	41102	Ashland	KY	299 claims	41/100
22	40222	Louisville	KY	289 claims	55/100
23	40391	Winchester	KY	280 claims	55/100
24	41666	Wayland	KY	270 claims	45/100
25	40351	Morehead	KY	269 claims	67/100
26	40118	Fairdale	KY	262 claims	35/100
27	42420	Henderson	KY	246 claims	68/100
28	41164	Olive Hill	KY	232 claims	68/100
29	41465	Salyersville	KY	227 claims	56/100
30	40165	Shepherdsville	KY	222 claims	35/100
31	40205	Louisville	KY	212 claims	55/100
32	42301	Owensboro	KY	200 claims	73/100
33	41224	Inez	KY	181 claims	71/100
34	41645	Langley	KY	172 claims	50/100
35	41339	Jackson	KY	165 claims	63/100
36	42003	Paducah	KY	163 claims	77/100
37	40330	Harrodsburg	KY	161 claims	60/100
38	41240	Paintsville	KY	157 claims	73/100
39	41040	Falmouth	KY	155 claims	60/100
40	41031	Cynthiana	KY	139 claims	58/100
41	41503	South Williamson	KY	139 claims	50/100
42	42701	Elizabethtown	KY	138 claims	71/100
43	41085	Silver Grove	KY	134 claims	50/100
44	41143	Grayson	KY	128 claims	64/100
45	42451	Reed	KY	123 claims	50/100
46	41016	Covington	KY	122 claims	50/100
47	40150	Lebanon Junction	KY	121 claims	52/100
48	40977	Pineville	KY	117 claims	71/100
49	41640	Hueysville	KY	117 claims	50/100
50	40504	Lexington	KY	114 claims	50/100
51	41601	Allen	KY	113 claims	50/100
52	41002	Augusta	KY	111 claims	73/100
53	40220	Louisville	KY	109 claims	60/100
54	40831	Harlan	KY	109 claims	65/100
55	41569	Pike County	KY	108 claims	—
56	40272	Louisville	KY	103 claims	60/100
57	40027	Harrods Creek	KY	101 claims	40/100
58	41074	Dayton	KY	100 claims	50/100
59	40390	Wilmore	KY	99 claims	59/100
60	41822	Hindman	KY	99 claims	72/100
61	41647	Mc Dowell	KY	97 claims	50/100
62	42001	Paducah	KY	97 claims	77/100
63	41572	Virgie	KY	95 claims	50/100
64	41635	Harold	KY	95 claims	50/100
65	40312	Clay City	KY	94 claims	72/100
66	40503	Lexington	KY	91 claims	50/100
67	41858	Whitesburg	KY	91 claims	64/100
68	42303	Owensboro	KY	90 claims	73/100
69	40371	Salt Lick	KY	89 claims	71/100
70	41231	Lovely	KY	86 claims	50/100
71	41179	Vanceburg	KY	85 claims	65/100
72	41073	Bellevue	KY	80 claims	50/100
73	40515	Lexington	KY	79 claims	50/100
74	40939	Fourmile	KY	79 claims	50/100
75	41528	Freeburn	KY	79 claims	50/100
76	40206	Louisville	KY	77 claims	60/100
77	40258	Louisville	KY	75 claims	60/100
78	41655	Printer	KY	74 claims	50/100
79	40077	Westport	KY	73 claims	50/100
80	40806	Baxter	KY	72 claims	60/100
81	40324	Georgetown	KY	69 claims	60/100
82	40353	Mount Sterling	KY	68 claims	50/100
83	41129	Catlettsburg	KY	67 claims	63/100
84	41643	Lackey	KY	67 claims	50/100
85	42327	Calhoun	KY	65 claims	57/100
86	40107	Boston	KY	64 claims	40/100
87	40359	Owenton	KY	64 claims	50/100
88	41059	Melbourne	KY	64 claims	50/100
89	42066	Mayfield	KY	64 claims	85/100
90	41101	Ashland	KY	63 claims	46/100
91	40356	Nicholasville	KY	61 claims	47/100
92	41017	Ft Mitchell	KY	61 claims	57/100
93	42101	Bowling Green	KY	60 claims	60/100
94	40026	Goshen	KY	59 claims	50/100
95	40475	Richmond	KY	59 claims	64/100
96	41168	Rush	KY	59 claims	50/100
97	41008	Carrollton	KY	57 claims	71/100
98	40299	Louisville	KY	54 claims	60/100
99	41267	Warfield	KY	54 claims	50/100
100	42371	Rumsey	KY	54 claims	50/100

Methodology

Flood risk rankings use FEMA National Flood Insurance Program (NFIP) claim data. Total claims reflect historical flood events that resulted in insured property damage. High claim counts indicate areas with recurring flood exposure, which can compromise water infrastructure, introduce contaminant runoff, and damage home systems.

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: 2026-06-04.

Frequently Asked Questions

Why does flood history matter for home safety?

Flooding can contaminate drinking water supplies, damage water infrastructure, introduce sewage and chemical runoff, and compromise home foundations and electrical systems. Repeated flooding indicates persistent risk that affects long-term home safety.

Where does the flood data come from?

Flood claim data comes from the FEMA National Flood Insurance Program (NFIP), which tracks all insured flood losses by ZIP code. This includes claims from hurricanes, river flooding, storm surge, and heavy rainfall events.

ZIP Codes with Highest Flood Risk in Kentucky — 2026

Top 100 Worst ZIP Codes

Methodology

Frequently Asked Questions

Why does flood history matter for home safety?

Where does the flood data come from?

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