Spencer County, Kentucky
Shrink-swell clay limits houses without basements on 23% of Spencer County's mapped land, a higher share than 73% of US counties. A shallow water table limits basements on 7%.
None of the county is in drought on the October 13, 2026 Drought Monitor map. FEMA's flood data list 14 flood losses here since 2016. 17% of homes were built before 1980, against 50% nationally; the median home dates from 2000.
Data as of October 13, 2026 · sources
expansive clay: shrink-swell limits slab homes
high water table: limits basements
in drought, October 13, 2026
of homes built before 1980
Soil under Spencer County
| Expansive clay (limits slab homes) | 22.6% |
| High water table (limits basements) | 7.0% |
| Septic fields very limited | 87.8% |
| Clay swell (LEP, by area) | 4.9% |
| High-swell land (LEP 6%+) | 19.5% |
| Mapped soil | 122,675 acres |
How we count · survey areas KY608 (2025-09-08)
What the numbers mean here
Clay swell averages a linear extensibility of 4.9% by land area here, and 19% of the land reaches USDA's high class (6% or more). Clay like that swells when wet and shrinks when dry, under 23% of the mapped land.
Rain over the 12 months to August 2026: 49.52 in, 0.65 in below the 1991-2020 average year of 50.17 in.
USDA rates 88% of the land very limited for septic absorption fields.
Drought
0% of the county is in drought (D1 or worse) on the October 13, 2026 map. Part of the county was in drought in 7 of the last 52 weeks; the most was 100% of its area, on the April 21, 2026 map.
| Category, October 13, 2026 | Share of county |
|---|---|
| D0 abnormally dry or worse | 38.3% |
| D1 moderate drought or worse | 0% |
| D2 severe or worse | 0% |
| D3 extreme or worse | 0% |
| D4 exceptional | 0% |
Flood losses since 2016
14 flood losses since 2016, $309,029 paid. The worst year was 2026, with 4.
| Year | Flood losses |
|---|---|
| 2016 | 0 |
| 2017 | 0 |
| 2018 | 2 |
| 2019 | 2 |
| 2020 | 0 |
| 2021 | 1 |
| 2022 | 1 |
| 2023 | 1 |
| 2024 | 0 |
| 2025 | 3 |
| 2026 to date | 4 |
Rain
| Average year, 1991-2020 | 50.17 in |
| 12 months to August 2026 | 49.52 in (-0.65) |
| 2025 | 60.50 in (+10.33) |
| Wettest year since 1895 | 2011: 67.83 in |
| Driest year since 1895 | 1930: 29.12 in |
| Days with 1 inch or more, normal at BARDSTOWN 5E (15 mi away) | 14.9 |
Homes
| Housing units | 7,712 |
| Median year built | 2000 |
| Built before 1980 | 17% |
| Built 2000 or later | 49% |
| Owner-occupied | 88% |
| Median value, owner-occupied | $330,000 |
| Single-family detached | 91% |
What repairs cost
Published ranges from cost guides, not quotes. More sources, and where they disagree.
Nearby counties
| Place | Distance | Expansive clay | High water table |
|---|---|---|---|
| Shelby County, KY | 16 mi | 47% | 12% |
| Nelson County, KY | 17 mi | 16% | 14% |
| Anderson County, KY | 18 mi | 25% | 4% |
| Washington County, KY | 20 mi | 23% | 5% |
| Bullitt County, KY | 21 mi | 13% | 21% |
| Jefferson County, KY | 22 mi | 2% | 22% |
| Oldham County, KY | 27 mi | 7% | 17% |
| Mercer County, KY | 28 mi | 22% | 4% |
Sources: USDA SSURGO (September 8, 2025) · US Drought Monitor (October 13, 2026) · FEMA NFIP v3 (September 9, 2026) · NOAA (August 2026) · Census ACS 2020-2024. Methods · Data status