Short answer: Kentucky adds a state permit layer most states don't: under KRS 151.250, no person or local government may build a dam, levee, bridge, fill or other obstruction, or place fill or a building, in the floodplain or floodway of a stream without written approval and a permit from the Energy and Environment Cabinet (Division of Water). Local NFIP floodplain permits are still required too.
This guide is general information for Kentucky property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
KRS 151.250 state permit
KRS 151.250 says no person, city, county or other political subdivision (including levee, drainage and flood control districts) may commence construction, reconstruction, relocation or improvement of any dam, embankment, levee, dike, bridge, fill or other obstruction in the floodplain or floodway of any stream unless the plans have been submitted and approved in writing by the cabinet and a permit issued. A second subsection covers filling and placing buildings. The cabinet can exempt small obstructions by regulation.
Where to start
The Energy and Environment Cabinet's Understand Your Flood Hazards page is the Division of Water's public entry point for Kentucky flood hazard information. Before you add on to a home near a creek, call both your local floodplain coordinator and the Division of Water.
Coverage
Most Kentucky property policies exclude flood. Check FEMA's Map Service Center and quote NFIP through FloodSmart; new policies usually wait 30 days.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Kentucky.
Frequently asked questions
Do I need a state permit to build in a Kentucky floodplain?
Generally yes. KRS 151.250 requires written cabinet approval and a permit for fill, buildings and obstructions in a stream's floodplain or floodway.
Who issues Kentucky floodplain permits?
The Energy and Environment Cabinet's Division of Water, plus your local NFIP community.
Does Kentucky homeowners insurance cover flood?
Generally no. Buy NFIP or private flood coverage.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.