Flood history / Kentucky / ZIP 40351
ZIP 40351
Rowan County, KY
Property owners in ZIP 40351 have been paid $4.8M on 271 National Flood Insurance Program claims between 1979 and 2026 — an average of $18K a claim, across 18 separate years in which someone here filed and was paid.
The heaviest year
2010 is the heaviest year on file: 97 paid claims, 35.8% of the ZIP's total. That one year accounts for more than a quarter of the ZIP's entire record. The largest named event in the record is Hurricane Helene, with 1 claims.
33 of those claims — 12.2% — were filed since 2017. The bulk of this ZIP's record is older than that.
Where the claims sat on the map
Of the 264 claims here that record a rated flood zone, 21 — 8.0% — were on properties rated outside the mapped high-risk area, in a B, C or X zone. Claims here concentrate inside the mapped high-risk area, which is what the maps intend. Flood insurance is not required outside the high-risk zone, and most properties there do not carry it — so these counts come from the minority who did.
The water near this ZIP
The closest gauges publishing official flood thresholds are Rock Lick Creek near Sharkey (8.2 mi), Licking River at Cave Run Lake (8.2 mi) and Tygarts Creek above Olive Hill (14.2 mi). A gauge describes one point on one river — it will not see street drainage, sewer backup, storm surge or flash flooding.
Read current gauge conditions for 40351 →
What this does not say
These are paid National Flood Insurance Program claims, nothing more. They count insured properties whose owners filed and were paid, so they are a floor on how often this ZIP has flooded — never a measure of how likely it is to flood next. Uninsured flooding leaves no trace here at all.
The figures are aggregates published by FEMA. No individual claim, address or policyholder appears on this page or in the data behind it. Nothing here is a forecast, a warning, or advice about insurance.