Kentucky Home-Insurance Distress by County

Kentucky reads among the most severe in the country for home-insurance distress — 120 counties averaging 65/100, 6th of 52 states.

64 of Kentucky's 120 counties score 70 or higher (severe).

Kentucky's reading rests on a FEMA hazard average of 73/100 and NFIP flood-claim stress of 57/100.

Over three years Kentucky counties filed 2,329 NFIP flood claims, $116,037,551 paid.

Highest in Kentucky: Franklin County 89/100 (#145 US), Greenup County 88/100 (#177 US), Lee County 87/100 (#198 US), Jackson County 86/100 (#231 US), Johnson County 84/100 (#269 US).

Kentucky counties by insurance band: 75 medium (Kentucky), 23 high, 22 low; Kentucky NFIP claims, three years: 2,329; Kentucky payouts $116.0 million.

Kentucky counties with the most NFIP claims: Pike 313 ($18.5 million); Jefferson 263 ($13.8 million); Floyd 229 ($8.9 million) in Kentucky; Oldham 154 ($8.0 million); Franklin 133 ($13.9 million).

Kentucky county average rose: 70.5 in March 2026; Kentucky reads 71.2 in October 2026; Kentucky by month: March 70.5, April 70.5, May 68.3 (Kentucky), June 68.3, July 73.9, August 67.0 (Kentucky), September 66.3, October 71.2.

Highest Kentucky ZIPs, insurance distress: 33567 0 (climate 99), 33572 0 (climate 99) in Kentucky, 33607 0 (climate 99), 33617 0 (climate 99) in Kentucky, 33547 0 (climate 99), 33596 0 (climate 99) in Kentucky.

Reading the Kentucky bands: 23 of 120 Kentucky counties sit in a high or worse insurance band; Kentucky filed 2,329 NFIP claims in three years, $116.0 million paid to Kentucky policyholders; a Kentucky county's band moves when FEMA hazard revisions, new Kentucky NFIP settlements or carrier filings change its monthly score.