Is $25 for Flood Certification Normal in Kentucky? (2026 Guide)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
This fee is higher than typical for Kentucky.
Fee Comparison
| Your Fee | Kentucky Avg | National Avg | |
|---|---|---|---|
| Flood Certification | $25 | $20 | $30 |
Typical range: $10–$50 nationally · Source: FairRate market data 2026
What Is the Flood Certification?
The flood certification fee pays for a third-party service to check the FEMA flood maps and determine whether the property falls in a Special Flood Hazard Area (SFHA). If it does, you may be required to purchase flood insurance. This is a regulatory requirement for federally backed loans, not a discretionary lender service. The fee is typically small ($10–$50), paid to a database service, and is non-negotiable. However, its low cost means it rarely significantly impacts your total closing costs.
Is This Fee Negotiable?
The Flood Certification is generally not negotiable — it is paid to a third party (not the lender), and its cost is set by market conditions, regulatory requirements, or independent service providers. However, in some states you may be able to shop for alternative providers for this service to find a lower cost.
Is Your Fee Normal?
Enter the Flood Certification amount from your Loan Estimate to find out — free.