Ballard County, KY: Home-Insurance Distress & Forced-Sale Pressure
Ballard County, KY: 38/100 (moderate) home-insurance distress; Ballard, KY band LOW; Ballard, KY #1,373 of 3,222 counties; Ballard, KY #106 of 120 in Kentucky; raw Ballard, KY 44.4; Ballard, KY coverage multiplier 0.85.
FEMA hazard, Ballard, KY: 74/100; Ballard, KY declarations, three years: 12; Ballard, KY perils: 10 severe-storm; Ballard, KY five-year count 18 (severity 34.5); Ballard, KY ten-year 18; hazard-weighted, Ballard, KY: 10.0.
Declared incidents on the Ballard, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Ballard, KY); 2024 Severe Storm 3 (Ballard, KY).
NFIP claims, Ballard, KY, three years: none; Ballard, KY claim-stress 0/100.
Ballard, KY monthly score held, 43 (March 2026) to 43 (October 2026); Ballard, KY by month: March 43, April 43, May 40, June 40 (Ballard, KY), July 46, August 40, September 39, October 43.
Ballard, KY components: climate 85; Ballard, KY retreat index 43; Ballard, KY climate multiplier 0.85.
Construction distress, Ballard, KY: 8/100 as of August 2026 (Ballard, KY: 4/100 one-to-four unit, 9/100 multifamily).
Ballard, KY ZIPs, June 2026 (Ballard, KY, 6 highest): score 0 (Ballard, KY), climate 64 (Ballard, KY): 42053; score 0 (Ballard, KY), climate 39 (Ballard, KY): 42022, 42024, 42056, 42060, Ballard, KY 42087.
DLRadar rescores Ballard, KY monthly; Ballard, KY readings join Ballard, KY foreclosure, lien and ownership parcels (Ballard, KY), so cost-squeezed Ballard, KY owners surface before listing.
Inside Kentucky, Ballard County ranks 106th of 120 counties for home-insurance distress at 38/100; Adair County (38/100) sits just above Ballard County, and Edmonson County (38/100) sits just below Ballard County.
Deterministic. Every Ballard County, KY signal traces to a public Ballard dataset (FEMA, NFIP, Census for Ballard, KY) · how insurance distress works in Ballard, KY · methodology
FAQ: Ballard County, KY insurance distress
What is the Ballard County, KY home-insurance-distress score?
Ballard, KY: 38/100 (LOW), #1,373 of 3,222, #106 in Kentucky. FEMA hazard, Ballard, KY: 74/100; NFIP stress, Ballard, KY: 0/100; construction, Ballard, KY: 8/100; Ballard, KY rescores monthly.
Is Ballard County insurance distress getting better or worse (KY)?
Ballard, KY: 43 in March 2026; Ballard, KY: 43 in October 2026 (unchanged); Ballard, KY climate component 85.
Which Ballard County ZIP codes carry the most insurance distress (KY)?
Ballard, KY, June 2026: 42053 at 0, 42022 at 0, 42024 at 0, 42056 at 0; Ballard, KY climate scores there: 64, 39, 39, 39.
Why does Ballard, KY insurance distress create sellers?
A Ballard, KY premium outruns the Ballard, KY budget; a carrier leaves Ballard, KY; Ballard, KY carrying cost passes plan; Ballard, KY owners sell while current; Ballard, KY insurance distress leads Ballard, KY foreclosure data.