Hopkinsville, Kentucky Flood Zones
Last updated: March 2026
Hopkinsville in Christian County faces flooding from the Little River and its tributaries. Heavy rainfall events cause the river to overflow and flood low-lying areas of the western Kentucky community.
Christian County has recorded 978 NFIP flood insurance claims since 1978, totaling $21.3M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 4
NFIP Policies
405
Christian County
Avg. Premium
$1,380/yr
Christian County
FEMA Flood Risk Profile: Christian County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $16.1M
Hurricane Risk
Very LowEst. annual loss: $20K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Christian County
Christian County has been included in 3 federal flood-related disaster declarations.
These declarations affected communities across Christian County, including Hopkinsville.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Christian County
Properties in Christian County have filed 978 NFIP flood insurance claims totaling $21.3M in payouts since 1978. The average claim payout is $22K.
Highest-Claim Years
1997
156 claims - $6.0M
1979
128 claims - $459K
2005
110 claims - $7.3M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Christian County
An estimated 1% of households in Christian County carry NFIP flood insurance. This county has elevated flood risk but very low insurance coverage, indicating a significant protection gap.
Penetration Rate
1%
Claims Ratio
1 in 1
policies have filed a claim
Avg. Claim Payout
$21,766
Derived from FEMA NRI population data and OpenFEMA NFIP policy/claims records.
Repetitive Loss Properties: Christian County
Christian County has 96 properties with multiple flood losses, including 13 severe repetitive loss properties. 36 properties have been mitigated.
Multiple Loss
96
Severe Rep. Loss
13
Mitigated
36
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: CHRISTIAN County
NOAA has recorded 105 flood events in CHRISTIAN County since 1996, causing $41.0M in damage and 1 death.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Christian County
FEMA has funded mitigation for 366 properties in Christian County, investing $5.6M in flood risk reduction.
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
What Your Flood Zone Means in Hopkinsville
Hopkinsville faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Hopkinsville are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $16.1M.
Riverine flood risk in Hopkinsville is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Hopkinsville address.
Flood Insurance Discount: Hopkinsville
Hopkinsville participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Hopkinsville's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Hopkinsville, KY Flood Zone FAQ
What flood zones are in Hopkinsville, KY?
The most common FEMA flood zones in Hopkinsville are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Hopkinsville?
If your Hopkinsville property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Hopkinsville?
Enter your Hopkinsville address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Hopkinsville offer flood insurance discounts?
Yes. Hopkinsville participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Hopkinsville experienced major flooding events?
Christian County, where Hopkinsville is located, has been part of 3 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Katrina in 2005. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Hopkinsville?
Christian County has recorded 978 NFIP flood insurance claims totaling $21.3M in payouts since 1978. The year with the most claims was 1997, with 156 claims and $6.0M in payouts. These figures cover all NFIP claims in the county, including Hopkinsville.
How many flood insurance policies are active in Hopkinsville?
Christian County currently has 405 active NFIP flood insurance policies with an average annual premium of $1,380. The most policies are in Zone AE (332 policies). These figures cover all active NFIP policies in the county.
How many Hopkinsville properties have flooded repeatedly?
Christian County has 96 properties with multiple flood losses on record, including 13 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Hopkinsville property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Hopkinsville?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Hopkinsville's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Kentucky Cities
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Look Up Any Hopkinsville, KY Address
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.