Breathitt County, KY: Home-Insurance Distress & Forced-Sale Pressure
Breathitt County, KY: 86/100 (severe) home-insurance distress; Breathitt, KY band HIGH; Breathitt, KY #200 of 3,222 counties; Breathitt, KY #5 of 120 in Kentucky.
FEMA hazard, Breathitt, KY: 89/100; Breathitt, KY declarations, three years: 14; Breathitt, KY perils: 2 tropical-storm, 10 severe-storm; Breathitt, KY five-year count 24 (severity 43.5); Breathitt, KY ten-year 24; hazard-weighted, Breathitt, KY: 16.0.
Declared incidents on the Breathitt, KY record: 2026 Winter Storm 3; 2025 Severe Storm 15 (Breathitt, KY); 2024 Tropical Storm 3; 2023 Flood 3 (Breathitt, KY).
NFIP claims, Breathitt, KY, three years: 24; Breathitt, KY payouts $362,940; per Breathitt, KY claim $15,122; Breathitt, KY claim-stress 81/100.
Breathitt, KY monthly score held, 88 (March 2026) to 88 (October 2026); Breathitt, KY by month: March 88, April 88, May 88, June 88 (Breathitt, KY), July 91, August 87, September 87, October 88.
Breathitt, KY components: climate 93, NFIP claims 81; Breathitt, KY retreat index 88.
Construction distress, Breathitt, KY: 0/100 as of August 2026 (Breathitt, KY: 0/100 one-to-four unit, 0/100 multifamily).
Breathitt, KY ZIPs, June 2026 (Breathitt, KY, 12 highest): score 0 (Breathitt, KY), climate 69 (Breathitt, KY): 41745; score 0 (Breathitt, KY), climate 62 (Breathitt, KY): 41721; score 0 (Breathitt, KY), climate 57 (Breathitt, KY): 41310, 41317, 41348, 41366, Breathitt, KY 41385, 41390; score 0 (Breathitt, KY), climate 56 (Breathitt, KY): 41339; score 0 (Breathitt, KY), climate 18 (Breathitt, KY): 41314; score 0 (Breathitt, KY), climate 16 (Breathitt, KY): 41301; score 0 (Breathitt, KY), climate 7 (Breathitt, KY): 41311.
DLRadar rescores Breathitt, KY monthly; Breathitt, KY readings join Breathitt, KY foreclosure, lien and ownership parcels (Breathitt, KY), so cost-squeezed Breathitt, KY owners surface before listing.
Inside Kentucky, Breathitt County ranks 5th of 120 counties for home-insurance distress at 86/100; Jackson County (87/100) sits just above Breathitt County, and Estill County (85/100) sits just below Breathitt County.
Deterministic. Every Breathitt County, KY signal traces to a public Breathitt dataset (FEMA, NFIP, Census for Breathitt, KY) · how insurance distress works in Breathitt, KY · methodology
FAQ: Breathitt County, KY insurance distress
What is the Breathitt County, KY home-insurance-distress score?
Breathitt, KY: 86/100 (HIGH), #200 of 3,222, #5 in Kentucky. FEMA hazard, Breathitt, KY: 89/100; NFIP stress, Breathitt, KY: 81/100; construction, Breathitt, KY: 0/100; Breathitt, KY rescores monthly.
Is Breathitt County insurance distress getting better or worse (KY)?
Breathitt, KY: 88 in March 2026; Breathitt, KY: 88 in October 2026 (unchanged); Breathitt, KY climate component 93; Breathitt, KY NFIP claims score 81.
How many flood-insurance claims has Breathitt County, KY had?
Breathitt, KY: 24 NFIP claims, three years; Breathitt, KY paid $362,940; per Breathitt, KY claim $15,122; carriers reprice Breathitt, KY against that record.
Which Breathitt County ZIP codes carry the most insurance distress (KY)?
Breathitt, KY, June 2026: 41745 at 0, 41721 at 0, 41310 at 0, 41317 at 0; Breathitt, KY climate scores there: 69, 62, 57, 57.
Why does Breathitt, KY insurance distress create sellers?
A Breathitt, KY premium outruns the Breathitt, KY budget; a carrier leaves Breathitt, KY; Breathitt, KY carrying cost passes plan; Breathitt, KY owners sell while current; Breathitt, KY insurance distress leads Breathitt, KY foreclosure data.