Bourbon County, KY: Home-Insurance Distress & Forced-Sale Pressure
Bourbon County, KY: 67/100 (elevated) home-insurance distress; Bourbon, KY band MEDIUM; Bourbon, KY #701 of 3,222 counties; Bourbon, KY #78 of 120 in Kentucky.
FEMA hazard, Bourbon, KY: 74/100; Bourbon, KY declarations, three years: 8; Bourbon, KY perils: 2 tropical-storm, 4 severe-storm; Bourbon, KY five-year count 15 (severity 25.5); Bourbon, KY ten-year 15; hazard-weighted, Bourbon, KY: 10.0.
Declared incidents on the Bourbon, KY record: 2026 Winter Storm 3; 2025 Severe Storm 6 (Bourbon, KY); 2024 Tropical Storm 3; 2023 Severe Storm 3 (Bourbon, KY).
NFIP claims, Bourbon, KY, three years: 3; Bourbon, KY payouts $3,699; per Bourbon, KY claim $1,233; Bourbon, KY claim-stress 57/100.
Bourbon, KY monthly score fell, 75 (March 2026) to 74 (October 2026); Bourbon, KY by month: March 75, April 75, May 72, June 72 (Bourbon, KY), July 78, August 71, September 69, October 74.
Bourbon, KY components: climate 85, NFIP claims 57; Bourbon, KY retreat index 74.
Construction distress, Bourbon, KY: 69/100 as of August 2026 (Bourbon, KY: 50/100 one-to-four unit, 97/100 multifamily).
Bourbon, KY ZIPs, June 2026 (Bourbon, KY, 10 highest): score 0 (Bourbon, KY), climate 88 (Bourbon, KY): 40511; score 0 (Bourbon, KY), climate 85 (Bourbon, KY): 40516; score 0 (Bourbon, KY), climate 59 (Bourbon, KY): 40324; score 0 (Bourbon, KY), climate 39 (Bourbon, KY): 40348, 40357, 40361; score 0 (Bourbon, KY), climate 36 (Bourbon, KY): 40353; score 0 (Bourbon, KY), climate 32 (Bourbon, KY): 41031; score 0 (Bourbon, KY), climate 17 (Bourbon, KY): 40311; score 0 (Bourbon, KY), climate 15 (Bourbon, KY): 40374.
DLRadar rescores Bourbon, KY monthly; Bourbon, KY readings join Bourbon, KY foreclosure, lien and ownership parcels (Bourbon, KY), so cost-squeezed Bourbon, KY owners surface before listing.
Inside Kentucky, Bourbon County ranks 79th of 120 counties for home-insurance distress at 67/100; Webster County (68/100) sits just above Bourbon County, and Hancock County (66/100) sits just below Bourbon County.
Deterministic. Every Bourbon County, KY signal traces to a public Bourbon dataset (FEMA, NFIP, Census for Bourbon, KY) · how insurance distress works in Bourbon, KY · methodology
FAQ: Bourbon County, KY insurance distress
What is the Bourbon County, KY home-insurance-distress score?
Bourbon, KY: 67/100 (MEDIUM), #701 of 3,222, #78 in Kentucky. FEMA hazard, Bourbon, KY: 74/100; NFIP stress, Bourbon, KY: 57/100; construction, Bourbon, KY: 69/100; Bourbon, KY rescores monthly.
Is Bourbon County insurance distress getting better or worse (KY)?
Bourbon, KY: 75 in March 2026; Bourbon, KY: 74 in October 2026 (better); Bourbon, KY climate component 85; Bourbon, KY NFIP claims score 57.
How many flood-insurance claims has Bourbon County, KY had?
Bourbon, KY: 3 NFIP claims, three years; Bourbon, KY paid $3,699; per Bourbon, KY claim $1,233; carriers reprice Bourbon, KY against that record.
Which Bourbon County ZIP codes carry the most insurance distress (KY)?
Bourbon, KY, June 2026: 40511 at 0, 40516 at 0, 40324 at 0, 40348 at 0; Bourbon, KY climate scores there: 88, 85, 59, 39.
Why does Bourbon, KY insurance distress create sellers?
A Bourbon, KY premium outruns the Bourbon, KY budget; a carrier leaves Bourbon, KY; Bourbon, KY carrying cost passes plan; Bourbon, KY owners sell while current; Bourbon, KY insurance distress leads Bourbon, KY foreclosure data.