Breckinridge County, KY: Home-Insurance Distress & Forced-Sale Pressure
Breckinridge County, KY: 50/100 (elevated) home-insurance distress; Breckinridge, KY band MEDIUM; Breckinridge, KY #1,073 of 3,222 counties; Breckinridge, KY #88 of 120 in Kentucky.
FEMA hazard, Breckinridge, KY: 74/100; Breckinridge, KY declarations, three years: 12; Breckinridge, KY perils: 10 severe-storm; Breckinridge, KY five-year count 21 (severity 37.5); Breckinridge, KY ten-year 21; hazard-weighted, Breckinridge, KY: 10.0.
Declared incidents on the Breckinridge, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Breckinridge, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Breckinridge, KY).
NFIP claims, Breckinridge, KY, three years: 1; Breckinridge, KY payouts $0; per Breckinridge, KY claim $0; Breckinridge, KY claim-stress 15/100.
Breckinridge, KY monthly score held, 57 (March 2026) to 57 (October 2026); Breckinridge, KY by month: March 57, April 57, May 54, June 54 (Breckinridge, KY), July 61, August 53, September 52, October 57.
Breckinridge, KY components: climate 85, NFIP claims 15; Breckinridge, KY retreat index 57.
Construction distress, Breckinridge, KY: 36/100 as of August 2026 (Breckinridge, KY: 38/100 one-to-four unit, 9/100 multifamily).
Breckinridge, KY ZIPs, June 2026 (Breckinridge, KY, 16 highest): score 0 (Breckinridge, KY), climate 54 (Breckinridge, KY): 40175; score 0 (Breckinridge, KY), climate 46 (Breckinridge, KY): 42343; score 0 (Breckinridge, KY), climate 43 (Breckinridge, KY): 40142, 40157; score 0 (Breckinridge, KY), climate 42 (Breckinridge, KY): 40119, 40140, 42754; score 0 (Breckinridge, KY), climate 41 (Breckinridge, KY): 40146, 40176; score 0 (Breckinridge, KY), climate 40 (Breckinridge, KY): 40111, 40115, 40143, 40144, Breckinridge, KY 40145, 40152, 40170.
DLRadar rescores Breckinridge, KY monthly; Breckinridge, KY readings join Breckinridge, KY foreclosure, lien and ownership parcels (Breckinridge, KY), so cost-squeezed Breckinridge, KY owners surface before listing.
Inside Kentucky, Breckinridge County ranks 88th of 120 counties for home-insurance distress at 50/100; Union County (53/100) sits just above Breckinridge County, and Hart County (50/100) sits just below Breckinridge County.
Deterministic. Every Breckinridge County, KY signal traces to a public Breckinridge dataset (FEMA, NFIP, Census for Breckinridge, KY) · how insurance distress works in Breckinridge, KY · methodology
FAQ: Breckinridge County, KY insurance distress
What is the Breckinridge County, KY home-insurance-distress score?
Breckinridge, KY: 50/100 (MEDIUM), #1,073 of 3,222, #88 in Kentucky. FEMA hazard, Breckinridge, KY: 74/100; NFIP stress, Breckinridge, KY: 15/100; construction, Breckinridge, KY: 36/100; Breckinridge, KY rescores monthly.
Is Breckinridge County insurance distress getting better or worse (KY)?
Breckinridge, KY: 57 in March 2026; Breckinridge, KY: 57 in October 2026 (unchanged); Breckinridge, KY climate component 85; Breckinridge, KY NFIP claims score 15.
How many flood-insurance claims has Breckinridge County, KY had?
Breckinridge, KY: 1 NFIP claims, three years; Breckinridge, KY paid $0; per Breckinridge, KY claim $0; carriers reprice Breckinridge, KY against that record.
Which Breckinridge County ZIP codes carry the most insurance distress (KY)?
Breckinridge, KY, June 2026: 40175 at 0, 42343 at 0, 40142 at 0, 40157 at 0; Breckinridge, KY climate scores there: 54, 46, 43, 43.
Why does Breckinridge, KY insurance distress create sellers?
A Breckinridge, KY premium outruns the Breckinridge, KY budget; a carrier leaves Breckinridge, KY; Breckinridge, KY carrying cost passes plan; Breckinridge, KY owners sell while current; Breckinridge, KY insurance distress leads Breckinridge, KY foreclosure data.