Boyd County, KY: Home-Insurance Distress & Forced-Sale Pressure
Boyd County, KY: 74/100 (severe) home-insurance distress; Boyd, KY band MEDIUM; Boyd, KY #517 of 3,222 counties; Boyd, KY #55 of 120 in Kentucky.
FEMA hazard, Boyd, KY: 68/100; Boyd, KY declarations, three years: 10; Boyd, KY perils: 8 severe-storm; Boyd, KY five-year count 15 (severity 28.5); Boyd, KY ten-year 15; hazard-weighted, Boyd, KY: 8.0.
Declared incidents on the Boyd, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Boyd, KY); 2024 Severe Storm 3 (Boyd, KY).
NFIP claims, Boyd, KY, three years: 15; Boyd, KY payouts $403,495; per Boyd, KY claim $26,900; Boyd, KY claim-stress 84/100.
Boyd, KY monthly score fell, 81 (March 2026) to 80 (October 2026); Boyd, KY by month: March 81, April 81, May 79, June 79 (Boyd, KY), July 86, August 76, September 76, October 80.
Boyd, KY components: climate 77, NFIP claims 84; Boyd, KY retreat index 80.
Construction distress, Boyd, KY: 100/100 as of August 2026 (Boyd, KY: 99/100 one-to-four unit, 100/100 multifamily).
Boyd, KY ZIPs, June 2026 (Boyd, KY, 4 highest): score 0 (Boyd, KY), climate 71 (Boyd, KY): 41102; score 0 (Boyd, KY), climate 70 (Boyd, KY): 41101; score 0 (Boyd, KY), climate 68 (Boyd, KY): 41129; score 0 (Boyd, KY), climate 65 (Boyd, KY): 41168.
DLRadar rescores Boyd, KY monthly; Boyd, KY readings join Boyd, KY foreclosure, lien and ownership parcels (Boyd, KY), so cost-squeezed Boyd, KY owners surface before listing.
Inside Kentucky, Boyd County ranks 53rd of 120 counties for home-insurance distress at 74/100; Allen County (75/100) sits just above Boyd County, and Crittenden County (74/100) sits just below Boyd County.
Deterministic. Every Boyd County, KY signal traces to a public Boyd dataset (FEMA, NFIP, Census for Boyd, KY) · how insurance distress works in Boyd, KY · methodology
FAQ: Boyd County, KY insurance distress
What is the Boyd County, KY home-insurance-distress score?
Boyd, KY: 74/100 (MEDIUM), #517 of 3,222, #55 in Kentucky. FEMA hazard, Boyd, KY: 68/100; NFIP stress, Boyd, KY: 84/100; construction, Boyd, KY: 100/100; Boyd, KY rescores monthly.
Is Boyd County insurance distress getting better or worse (KY)?
Boyd, KY: 81 in March 2026; Boyd, KY: 80 in October 2026 (better); Boyd, KY climate component 77; Boyd, KY NFIP claims score 84.
How many flood-insurance claims has Boyd County, KY had?
Boyd, KY: 15 NFIP claims, three years; Boyd, KY paid $403,495; per Boyd, KY claim $26,900; carriers reprice Boyd, KY against that record.
Which Boyd County ZIP codes carry the most insurance distress (KY)?
Boyd, KY, June 2026: 41102 at 0, 41101 at 0, 41129 at 0, 41168 at 0; Boyd, KY climate scores there: 71, 70, 68, 65.
Why does Boyd, KY insurance distress create sellers?
A Boyd, KY premium outruns the Boyd, KY budget; a carrier leaves Boyd, KY; Boyd, KY carrying cost passes plan; Boyd, KY owners sell while current; Boyd, KY insurance distress leads Boyd, KY foreclosure data.