Kentucky Home-Insurance Distress by County

Kentucky reads among the most severe in the country for home-insurance distress — an average county score of 67/100, 5th-highest of 52 states and territories. All 120 Kentucky counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

NFIP paid $112,645,212 across 2,226 Kentucky flood claims in three years; that ledger is what reprices coverage statewide.

The Kentucky average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

Kentucky has 75 counties in the severe band (70+), concentrating the state's coverage crisis.

The Kentucky insurance-distress score is a composite rather than a single premium figure: it blends FEMA physical-hazard exposure, NFIP flood-claim history, and a carrier-pressure proxy that captures where insurers are raising rates or declining to renew, so a county can rank high on hazard yet moderate on realized losses, or the reverse.

Behind the state number sit an average FEMA hazard score of 76/100 and average NFIP flood-claim stress of 57/100, the hazard basis insurers use to reprice Kentucky coverage.

Treated properly, Kentucky's insurance distress is a lead source: it flags owners whose breaking point is the policy, and the ranked counties below are where to start.

Across Kentucky, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

At the top of the Kentucky table sits Franklin County (92/100) and Greenup County. Below is every Kentucky county ranked by coverage pressure, linked to its individual read.

The Kentucky numbers refresh monthly as FEMA hazard revisions, new NFIP claim settlements and carrier filings arrive, so the state's 67/100 average and county ranking reflect the current renewal environment rather than a stale historical read.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces Kentucky's insurance-squeezed sellers ahead of the market.