Adair County, KY: Home-Insurance Distress & Forced-Sale Pressure
Adair County, KY: 38/100 (moderate) home-insurance distress; Adair, KY band LOW; Adair, KY #1,372 of 3,222 counties; Adair, KY #105 of 120 in Kentucky; raw Adair, KY 44.4; Adair, KY coverage multiplier 0.85.
FEMA hazard, Adair, KY: 74/100; Adair, KY declarations, three years: 14; Adair, KY perils: 10 severe-storm; Adair, KY five-year count 21 (severity 37.5); Adair, KY ten-year 21; hazard-weighted, Adair, KY: 10.0.
Declared incidents on the Adair, KY record: 2026 Winter Storm 4; 2025 Severe Storm 8 (Adair, KY); 2024 Severe Storm 2; 2023 Severe Storm 3 (Adair, KY).
NFIP claims, Adair, KY, three years: none; Adair, KY claim-stress 0/100.
Adair, KY monthly score held, 43 (March 2026) to 43 (October 2026); Adair, KY by month: March 43, April 43, May 40, June 40 (Adair, KY), July 46, August 40, September 39, October 43.
Adair, KY components: climate 85; Adair, KY retreat index 43; Adair, KY climate multiplier 0.85.
Construction distress, Adair, KY: 91/100 as of August 2026 (Adair, KY: 91/100 one-to-four unit, 0/100 multifamily).
Adair, KY ZIPs, June 2026 (Adair, KY, 11 highest): score 0 (Adair, KY), climate 36 (Adair, KY): 42733; score 0 (Adair, KY), climate 35 (Adair, KY): 42728, 42741, 42742, 42753; score 0 (Adair, KY), climate 32 (Adair, KY): 42528, 42539; score 0 (Adair, KY), climate 30 (Adair, KY): 42642; score 0 (Adair, KY), climate 29 (Adair, KY): 42715; score 0 (Adair, KY), climate 17 (Adair, KY): 42129; score 0 (Adair, KY), climate 13 (Adair, KY): 42743.
DLRadar rescores Adair, KY monthly; Adair, KY readings join Adair, KY foreclosure, lien and ownership parcels (Adair, KY), so cost-squeezed Adair, KY owners surface before listing.
Inside Kentucky, Adair County ranks 105th of 120 counties for home-insurance distress at 38/100; Whitley County (40/100) sits just above Adair County, and Ballard County (38/100) sits just below Adair County.
Deterministic. Every Adair County, KY signal traces to a public Adair dataset (FEMA, NFIP, Census for Adair, KY) · how insurance distress works in Adair, KY · methodology
FAQ: Adair County, KY insurance distress
What is the Adair County, KY home-insurance-distress score?
Adair, KY: 38/100 (LOW), #1,372 of 3,222, #105 in Kentucky. FEMA hazard, Adair, KY: 74/100; NFIP stress, Adair, KY: 0/100; construction, Adair, KY: 91/100; Adair, KY rescores monthly.
Is Adair County insurance distress getting better or worse (KY)?
Adair, KY: 43 in March 2026; Adair, KY: 43 in October 2026 (unchanged); Adair, KY climate component 85.
Which Adair County ZIP codes carry the most insurance distress (KY)?
Adair, KY, June 2026: 42733 at 0, 42728 at 0, 42741 at 0, 42742 at 0; Adair, KY climate scores there: 36, 35, 35, 35.
Why does Adair, KY insurance distress create sellers?
A Adair, KY premium outruns the Adair, KY budget; a carrier leaves Adair, KY; Adair, KY carrying cost passes plan; Adair, KY owners sell while current; Adair, KY insurance distress leads Adair, KY foreclosure data.