Kentucky Home InsuranceFlood insurance discounts in Kentucky
Flood discounts in Kentucky
Flooding is never covered by a standard homeowners policy. But where you live can cut the price of a flood policy: communities in FEMA's Community Rating System earn their residents a discount automatically.
Of the 360 Kentucky communities in the National Flood Insurance Program, 43 are in the rating system. Everywhere else, there is no community discount at all.
| Community | Class | Discount in high-risk zones |
|---|---|---|
| Metro. Govt. of Louisville And Jefferson County | 3 | 35% |
| Lexington-Fayette Urban County Government | 6 | 20% |
| Hopkinsville | 7 | 15% |
| Butler | 7 | 15% |
| Falmouth | 7 | 15% |
Source: FEMA NFIP Community Status Book.
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