Caldwell County, KY: Home-Insurance Distress & Forced-Sale Pressure
Caldwell County, KY: 73/100 (severe) home-insurance distress; Caldwell, KY band MEDIUM; Caldwell, KY #564 of 3,222 counties; Caldwell, KY #59 of 120 in Kentucky.
FEMA hazard, Caldwell, KY: 78/100; Caldwell, KY declarations, three years: 14; Caldwell, KY perils: 12 severe-storm; Caldwell, KY five-year count 27 (severity 46.5); Caldwell, KY ten-year 27; hazard-weighted, Caldwell, KY: 12.0.
Declared incidents on the Caldwell, KY record: 2026 Winter Storm 3; 2025 Severe Storm 15 (Caldwell, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Caldwell, KY); 2023 Flood 3 (Caldwell, KY).
NFIP claims, Caldwell, KY, three years: 1; Caldwell, KY payouts $34,256; per Caldwell, KY claim $34,256; Caldwell, KY claim-stress 65/100.
Caldwell, KY monthly score fell, 80 (March 2026) to 79 (October 2026); Caldwell, KY by month: March 80, April 80, May 78, June 78 (Caldwell, KY), July 83, August 78, September 74, October 79.
Caldwell, KY components: climate 88, NFIP claims 65; Caldwell, KY retreat index 79.
Construction distress, Caldwell, KY: 59/100 as of August 2026 (Caldwell, KY: 82/100 one-to-four unit, 4/100 multifamily).
Caldwell, KY ZIPs, June 2026 (Caldwell, KY, 6 highest): score 0 (Caldwell, KY), climate 63 (Caldwell, KY): 42408; score 0 (Caldwell, KY), climate 43 (Caldwell, KY): 42211; score 0 (Caldwell, KY), climate 37 (Caldwell, KY): 42445; score 0 (Caldwell, KY), climate 33 (Caldwell, KY): 42411; score 0 (Caldwell, KY), climate 27 (Caldwell, KY): 42064; score 0 (Caldwell, KY), climate 26 (Caldwell, KY): 42038.
DLRadar rescores Caldwell, KY monthly; Caldwell, KY readings join Caldwell, KY foreclosure, lien and ownership parcels (Caldwell, KY), so cost-squeezed Caldwell, KY owners surface before listing.
Inside Kentucky, Caldwell County ranks 63rd of 120 counties for home-insurance distress at 73/100; Owen County (73/100) sits just above Caldwell County, and Pulaski County (73/100) sits just below Caldwell County.
Deterministic. Every Caldwell County, KY signal traces to a public Caldwell dataset (FEMA, NFIP, Census for Caldwell, KY) · how insurance distress works in Caldwell, KY · methodology
FAQ: Caldwell County, KY insurance distress
What is the Caldwell County, KY home-insurance-distress score?
Caldwell, KY: 73/100 (MEDIUM), #564 of 3,222, #59 in Kentucky. FEMA hazard, Caldwell, KY: 78/100; NFIP stress, Caldwell, KY: 65/100; construction, Caldwell, KY: 59/100; Caldwell, KY rescores monthly.
Is Caldwell County insurance distress getting better or worse (KY)?
Caldwell, KY: 80 in March 2026; Caldwell, KY: 79 in October 2026 (better); Caldwell, KY climate component 88; Caldwell, KY NFIP claims score 65.
How many flood-insurance claims has Caldwell County, KY had?
Caldwell, KY: 1 NFIP claims, three years; Caldwell, KY paid $34,256; per Caldwell, KY claim $34,256; carriers reprice Caldwell, KY against that record.
Which Caldwell County ZIP codes carry the most insurance distress (KY)?
Caldwell, KY, June 2026: 42408 at 0, 42211 at 0, 42445 at 0, 42411 at 0; Caldwell, KY climate scores there: 63, 43, 37, 33.
Why does Caldwell, KY insurance distress create sellers?
A Caldwell, KY premium outruns the Caldwell, KY budget; a carrier leaves Caldwell, KY; Caldwell, KY carrying cost passes plan; Caldwell, KY owners sell while current; Caldwell, KY insurance distress leads Caldwell, KY foreclosure data.