ZIP 40404 housing market
Data through Jan 2026
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Expected Disaster Loss
$116
Dec 2025
What this means
- Disaster risk. FEMA expects about $116 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
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Other ZIP codes in Madison County, KY
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Richmond, KY 40475 | $301.3K | +1.4% | 53 |
| Berea, KY 40403 | $255.6K | +0.8% | 63 |
| Waco, KY 40385 | $251.5K | −2.1% | 56 |