Breathitt County, KY: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Breathitt County, Kentucky at 88/100 for home-insurance distress, a severe level that places it #161 of 3,222 counties, in the top tier nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
The reading rests on a FEMA hazard score of 91/100; NFIP flood-claim stress of 82/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Breathitt County.
The federal flood record here -- 24 claims at roughly $15,122 each -- is the loss experience premiums are built on.
The Breathitt County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 88/100 reading reflects the current renewal environment rather than a historical average.
A #161 national standing means little alone; DLRadar pairs Breathitt County's coverage stress with default and ownership data before calling a parcel distressed.
Replacement economics add to the squeeze — a 0/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
Read together, a 91/100 hazard base and 82/100 flood-claim stress explain why Breathitt County screens as a place where coverage cost, not the loan, is the likely sale trigger.
Read as a targeting input, 88/100 puts Breathitt County #161 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. The result is early access to owners whose trigger is insurance rather than default.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Breathitt County insurance distress — FAQ
What is the home-insurance-distress score for Breathitt County, Kentucky?
On the insurance-distress measure Breathitt County comes in at 88/100, recomputed every month from federal and carrier sources.
What is the flood-claim history in Breathitt County?
Over the trailing three years, Breathitt County recorded 24 NFIP flood claims with $362,940 paid out, roughly $15,122 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does DLRadar treat insurance distress as an early signal in Breathitt County?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Breathitt County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.