Carroll County, KY: Home-Insurance Distress & Forced-Sale Pressure
Carroll County, KY: 73/100 (severe) home-insurance distress; Carroll, KY band MEDIUM; Carroll, KY #548 of 3,222 counties; Carroll, KY #63 of 120 in Kentucky; raw Carroll, KY 70.9.
FEMA hazard, Carroll, KY: 63/100; Carroll, KY declarations, three years: 8; Carroll, KY perils: 6 severe-storm; Carroll, KY five-year count 12 (severity 24.0); Carroll, KY ten-year 12; hazard-weighted, Carroll, KY: 6.0.
Declared incidents on the Carroll, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Carroll, KY).
NFIP claims, Carroll, KY, three years: 23; Carroll, KY payouts $923,161; per Carroll, KY claim $40,137; Carroll, KY claim-stress 89/100.
Carroll, KY monthly score held, 79 (March 2026) to 79 (October 2026); Carroll, KY by month: March 79, April 79, May 77, June 77 (Carroll, KY), July 84, August 74, September 74, October 79.
Carroll, KY components: climate 72, NFIP claims 89; Carroll, KY retreat index 79.
Construction distress, Carroll, KY: 4/100 as of August 2026 (Carroll, KY: 69/100 one-to-four unit, 0/100 multifamily).
Carroll, KY ZIPs, June 2026 (Carroll, KY, 8 highest): score 0 (Carroll, KY), climate 21 (Carroll, KY): 41008; score 0 (Carroll, KY), climate 20 (Carroll, KY): 41045, 41083; score 0 (Carroll, KY), climate 18 (Carroll, KY): 40075, 41098; score 0 (Carroll, KY), climate 16 (Carroll, KY): 40011; score 0 (Carroll, KY), climate 13 (Carroll, KY): 40045; score 0 (Carroll, KY), climate 10 (Carroll, KY): 40006.
DLRadar rescores Carroll, KY monthly; Carroll, KY readings join Carroll, KY foreclosure, lien and ownership parcels (Carroll, KY), so cost-squeezed Carroll, KY owners surface before listing.
Inside Kentucky, Carroll County ranks 60th of 120 counties for home-insurance distress at 73/100; Campbell County (73/100) sits just above Carroll County, and Rowan County (73/100) sits just below Carroll County.
Deterministic. Every Carroll County, KY signal traces to a public Carroll dataset (FEMA, NFIP, Census for Carroll, KY) · how insurance distress works in Carroll, KY · methodology
FAQ: Carroll County, KY insurance distress
What is the Carroll County, KY home-insurance-distress score?
Carroll, KY: 73/100 (MEDIUM), #548 of 3,222, #63 in Kentucky. FEMA hazard, Carroll, KY: 63/100; NFIP stress, Carroll, KY: 89/100; construction, Carroll, KY: 4/100; Carroll, KY rescores monthly.
Is Carroll County insurance distress getting better or worse (KY)?
Carroll, KY: 79 in March 2026; Carroll, KY: 79 in October 2026 (unchanged); Carroll, KY climate component 72; Carroll, KY NFIP claims score 89.
How many flood-insurance claims has Carroll County, KY had?
Carroll, KY: 23 NFIP claims, three years; Carroll, KY paid $923,161; per Carroll, KY claim $40,137; carriers reprice Carroll, KY against that record.
Which Carroll County ZIP codes carry the most insurance distress (KY)?
Carroll, KY, June 2026: 41008 at 0, 41045 at 0, 41083 at 0, 40075 at 0; Carroll, KY climate scores there: 21, 20, 20, 18.
Why does Carroll, KY insurance distress create sellers?
A Carroll, KY premium outruns the Carroll, KY budget; a carrier leaves Carroll, KY; Carroll, KY carrying cost passes plan; Carroll, KY owners sell while current; Carroll, KY insurance distress leads Carroll, KY foreclosure data.