Lexington, Kentucky Flood Zones
Lexington faces flooding from Town Branch, Wolf Run, and other urban streams in the Bluegrass region. Flash flooding from intense rainfall is the primary flood hazard in this largely landlocked city.
FEMA Flood Risk Profile: Fayette 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: $52.7M
Hurricane Risk
Very LowEst. annual loss: $149K
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Fayette County
Fayette County has been included in 4 federal flood-related disaster declarations.
These declarations affected communities across Fayette County, including Lexington.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Fayette County
Properties in Fayette County have filed 453 NFIP flood insurance claims totaling $5.3M in payouts since 1978. The average claim payout is $12K.
Highest-Claim Years
1992
54 claims - $340K
1997
46 claims - $277K
2006
39 claims - $999K
Claims by Flood Zone
Zone X
163
Zone AE
134
Zone A
97
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Common Flood Zones in Lexington
Properties in Lexington, KY are commonly designated in these FEMA flood zones:
What Your Flood Zone Means in Lexington
Lexington faces multiple inland flood threats, including riverine flooding from nearby waterways and flash flooding from intense rainfall overwhelming urban drainage systems. Properties near river corridors face the highest risk, but stormwater backup can affect neighborhoods well outside the mapped floodplain. The most common FEMA flood zone designations in Lexington are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $52.7M.
With both riverine and urban stormwater flood risk, insurance costs in Lexington depend heavily on a property's elevation relative to nearby waterways and the local drainage infrastructure. FEMA's Risk Rating 2.0 prices in multiple inland flood sources rather than relying on the flood zone line alone. 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.
Flood zone boundaries in Lexington can shift when FEMA updates its Flood Insurance Studies or when upstream development changes how water moves through the watershed. New stormwater infrastructure or dam modifications can also trigger map revisions. Use our free lookup tool to check the current flood zone for any Lexington address.
Check Your Lexington Address
Enter any Lexington, KY address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupLexington, KY Flood Zone FAQ
What flood zones are in Lexington, KY?
The most common FEMA flood zones in Lexington 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 Lexington?
If your Lexington 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 about 25% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Lexington?
Enter your Lexington 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.
What type of flooding affects Lexington?
Lexington is primarily affected by river overflow combined with urban drainage challenges. The most common FEMA flood zone designations are Zone AE, Zone X. Use the free lookup tool above to check the specific flood zone for any Lexington address.
Has Lexington experienced major flooding events?
Fayette County, where Lexington is located, has been part of 4 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe, Storms, Flooding, Landslides, and Mudslides in 2021. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Lexington?
Fayette County has recorded 453 NFIP flood insurance claims totaling $5.3M in payouts since 1978. The year with the most claims was 1992, with 54 claims and $340K in payouts. These figures cover all NFIP claims in the county, including Lexington.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026