Bell County, KY: Home-Insurance Distress & Forced-Sale Pressure
Bell County, KY: 75/100 (severe) home-insurance distress; Bell, KY band MEDIUM; Bell, KY #497 of 3,222 counties; Bell, KY #48 of 120 in Kentucky.
FEMA hazard, Bell, KY: 78/100; Bell, KY declarations, three years: 10; Bell, KY perils: 2 tropical-storm, 6 severe-storm; Bell, KY five-year count 18 (severity 31.5); Bell, KY ten-year 18; hazard-weighted, Bell, KY: 12.0.
Declared incidents on the Bell, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Bell, KY); 2024 Tropical Storm 3; 2023 Flood 3 (Bell, KY).
NFIP claims, Bell, KY, three years: 8; Bell, KY payouts $72,864; per Bell, KY claim $9,108; Bell, KY claim-stress 71/100.
Bell, KY monthly score fell, 82 (March 2026) to 81 (October 2026); Bell, KY by month: March 82, April 82, May 80, June 80 (Bell, KY), July 86, August 80, September 77, October 81.
Bell, KY components: climate 88, NFIP claims 71; Bell, KY retreat index 81.
Construction distress, Bell, KY: 35/100 as of August 2026 (Bell, KY: 34/100 one-to-four unit, 5/100 multifamily).
Bell, KY ZIPs, June 2026 (Bell, KY, 11 highest): score 0 (Bell, KY), climate 63 (Bell, KY): 40813, 40845, 40856, 40902, Bell, KY 40939, 40958, 40977, 40988; score 0 (Bell, KY), climate 62 (Bell, KY): 40913; score 0 (Bell, KY), climate 61 (Bell, KY): 40940; score 0 (Bell, KY), climate 60 (Bell, KY): 40965.
DLRadar rescores Bell, KY monthly; Bell, KY readings join Bell, KY foreclosure, lien and ownership parcels (Bell, KY), so cost-squeezed Bell, KY owners surface before listing.
Inside Kentucky, Bell County ranks 50th of 120 counties for home-insurance distress at 75/100; Grayson County (75/100) sits just above Bell County, and Laurel County (75/100) sits just below Bell County.
Deterministic. Every Bell County, KY signal traces to a public Bell dataset (FEMA, NFIP, Census for Bell, KY) · how insurance distress works in Bell, KY · methodology
FAQ: Bell County, KY insurance distress
What is the Bell County, KY home-insurance-distress score?
Bell, KY: 75/100 (MEDIUM), #497 of 3,222, #48 in Kentucky. FEMA hazard, Bell, KY: 78/100; NFIP stress, Bell, KY: 71/100; construction, Bell, KY: 35/100; Bell, KY rescores monthly.
Is Bell County insurance distress getting better or worse (KY)?
Bell, KY: 82 in March 2026; Bell, KY: 81 in October 2026 (better); Bell, KY climate component 88; Bell, KY NFIP claims score 71.
How many flood-insurance claims has Bell County, KY had?
Bell, KY: 8 NFIP claims, three years; Bell, KY paid $72,864; per Bell, KY claim $9,108; carriers reprice Bell, KY against that record.
Which Bell County ZIP codes carry the most insurance distress (KY)?
Bell, KY, June 2026: 40813 at 0, 40845 at 0, 40856 at 0, 40902 at 0; Bell, KY climate scores there: 63, 63, 63, 63.
Why does Bell, KY insurance distress create sellers?
A Bell, KY premium outruns the Bell, KY budget; a carrier leaves Bell, KY; Bell, KY carrying cost passes plan; Bell, KY owners sell while current; Bell, KY insurance distress leads Bell, KY foreclosure data.