Boone County, KY: Home-Insurance Distress & Forced-Sale Pressure
Boone County, KY: 58/100 (elevated) home-insurance distress; Boone, KY band MEDIUM; Boone, KY #946 of 3,222 counties; Boone, KY #86 of 120 in Kentucky.
FEMA hazard, Boone, KY: 52/100; Boone, KY declarations, three years: 6; Boone, KY perils: 4 severe-storm; Boone, KY five-year count 9 (severity 18.0); Boone, KY ten-year 9; hazard-weighted, Boone, KY: 4.0.
Declared incidents on the Boone, KY record: 2026 Winter Storm 2; 2025 Severe Storm 4 (Boone, KY).
NFIP claims, Boone, KY, three years: 1; Boone, KY payouts $42,301; per Boone, KY claim $42,301; Boone, KY claim-stress 67/100.
Boone, KY monthly score fell, 66 (March 2026) to 62 (October 2026); Boone, KY by month: March 66, April 66, May 62, June 62 (Boone, KY), July 70, August 59, September 59, October 62.
Boone, KY components: climate 60, NFIP claims 67; Boone, KY retreat index 62.
Construction distress, Boone, KY: 29/100 as of August 2026 (Boone, KY: 48/100 one-to-four unit, 2/100 multifamily).
Boone, KY ZIPs, June 2026 (Boone, KY, 9 highest): score 0 (Boone, KY), climate 80 (Boone, KY): 41018; score 0 (Boone, KY), climate 79 (Boone, KY): 41005, 41042, 41048, 41080, Boone, KY 41091, 41094; score 0 (Boone, KY), climate 57 (Boone, KY): 41092; score 0 (Boone, KY), climate 41 (Boone, KY): 41030.
DLRadar rescores Boone, KY monthly; Boone, KY readings join Boone, KY foreclosure, lien and ownership parcels (Boone, KY), so cost-squeezed Boone, KY owners surface before listing.
Inside Kentucky, Boone County ranks 86th of 120 counties for home-insurance distress at 58/100; Scott County (60/100) sits just above Boone County, and Union County (53/100) sits just below Boone County.
Deterministic. Every Boone County, KY signal traces to a public Boone dataset (FEMA, NFIP, Census for Boone, KY) · how insurance distress works in Boone, KY · methodology
FAQ: Boone County, KY insurance distress
What is the Boone County, KY home-insurance-distress score?
Boone, KY: 58/100 (MEDIUM), #946 of 3,222, #86 in Kentucky. FEMA hazard, Boone, KY: 52/100; NFIP stress, Boone, KY: 67/100; construction, Boone, KY: 29/100; Boone, KY rescores monthly.
Is Boone County insurance distress getting better or worse (KY)?
Boone, KY: 66 in March 2026; Boone, KY: 62 in October 2026 (better); Boone, KY climate component 60; Boone, KY NFIP claims score 67.
How many flood-insurance claims has Boone County, KY had?
Boone, KY: 1 NFIP claims, three years; Boone, KY paid $42,301; per Boone, KY claim $42,301; carriers reprice Boone, KY against that record.
Which Boone County ZIP codes carry the most insurance distress (KY)?
Boone, KY, June 2026: 41018 at 0, 41005 at 0, 41042 at 0, 41048 at 0; Boone, KY climate scores there: 80, 79, 79, 79.
Why does Boone, KY insurance distress create sellers?
A Boone, KY premium outruns the Boone, KY budget; a carrier leaves Boone, KY; Boone, KY carrying cost passes plan; Boone, KY owners sell while current; Boone, KY insurance distress leads Boone, KY foreclosure data.