Kentucky Flood Insurance

Find the right flood insurance policy for you.


Living near a body of water is a desirable situation for those looking to buy or even rent a home. In many cities, downtown revitalization is taking place near a river, and cities in Kentucky are no different. The two largest cities in the state are located near rivers, and many other KY communities sit near lakes, creeks, and streams. When rainfall pours out of the sky, even tiny creeks can pose a threat to your home, and without Kentucky flood insurance, you could suffer devastating water damage.

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5 of Kentucky’s Worst Flash Floods

  • In March 1997, nearly a foot of rain fell, causing more than $500 million in damage and destroying more than 14,000 homes. Twenty-one Kentucky residents died.
  • In September 2006, some areas received more than 6 inches of rain and six people died. Residents of a building evacuated their apartments.
  • In June 1969, 8 inches of rain fell in just 6 hours causing Trammel Creek to overflow. Three people died and property damage totaled more than $30 million.
  • In May 1927, the Kentucky River peaked, killing 89 people and leaving nearly 12,000 people homeless.
  • In 1937, the Ohio River breached its banks and flooded nearly 60% of Louisville. The disastrous flood killed close to 400 people and left 1 million people homeless across five states during winter.

Homeowners Policies vs. Kentucky Flood Insurance

Floods are the most deadly natural disasters that occur in the United States, and still, people do not have adequate protection for their houses. Homeowners make the mistake of assuming that since they have homeowners coverage, flood insurance isn’t necessary. Not true. A homeowners policy may cover water damage from burst pipes, water pipe leakage, and sewage backups, but if a river flows through your house, filing a homeowners claim is pointless.

Large areas of the state lie in flood plains, meaning that a homeowner has a legal obligation to purchase Kentucky flood insurance. But, even if you live in a so-called safe area, investing in flood insurance isn’t a bad idea. Flood insurance will cover damage from heavy snowmelts and rainwater runoffs. Sometimes, your flood insurance will even cover mudslides. Kentucky flood insurance will not cover personal belongings, so ask an independent insurance agent how to protect your property from water damage.


Save on Flood Insurance

Our independent agents shop around to find you the best coverage.

Reducing Flood Threat

One of the best ways to reduce the threat of a flood is to live far away from the body of water. If that’s not possible, there are certain ways to get to safety and reduce damage when a flood occurs. Keep your gutters, ditches, and storm drains clear of debris. During heavy rainfall and violent storms, be aware of what’s happening around you. Flash floods claim lives every year. Local news stations normally report when your area is dangerously close to flood level and will issue warnings and watches for residents.

If you find yourself in the midst of a flood, stay out of the water, whether it’s inside your house or outside. Just 6 inches of water can knock someone down. Try to turn off your gas and electricity, and move vehicles to high ground. When seeking protection, try to take pets with you. If you live in a flood plain, get the best form of Kentucky flood insurance possible.

Get Kentucky Flood Insurance Quotes

To receive the best help in your search for Kentucky flood insurance, contact an agent. Your agent can compare Kentucky flood insurance quotes and policies to find the right match for you and your risk level.

To get the information you need, contact an independent agent in our network right away.

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