Carter County, KY: Home-Insurance Distress & Forced-Sale Pressure
Carter County, KY: 80/100 (severe) home-insurance distress; Carter, KY band HIGH; Carter, KY #352 of 3,222 counties; Carter, KY #26 of 120 in Kentucky.
FEMA hazard, Carter, KY: 84/100; Carter, KY declarations, three years: 12; Carter, KY perils: 2 tropical-storm, 8 severe-storm; Carter, KY five-year count 21 (severity 36.0); Carter, KY ten-year 21; hazard-weighted, Carter, KY: 14.0.
Declared incidents on the Carter, KY record: 2026 Winter Storm 2; 2025 Severe Storm 6 (Carter, KY); 2024 Tropical Storm 2; 2024 Severe Storm 2 (Carter, KY); 2023 Flood 3 (Carter, KY).
NFIP claims, Carter, KY, three years: 4; Carter, KY payouts $102,478; per Carter, KY claim $25,619; Carter, KY claim-stress 74/100.
Carter, KY monthly score held, 85 (March 2026) to 85 (October 2026); Carter, KY by month: March 85, April 85, May 84, June 84 (Carter, KY), July 87, August 83, September 82, October 85.
Carter, KY components: climate 92, NFIP claims 74; Carter, KY retreat index 85.
Construction distress, Carter, KY: 9/100 as of August 2026 (Carter, KY: 9/100 one-to-four unit, 16/100 multifamily).
Carter, KY ZIPs, June 2026 (Carter, KY, 11 highest): score 0 (Carter, KY), climate 71 (Carter, KY): 41102; score 0 (Carter, KY), climate 65 (Carter, KY): 41168; score 0 (Carter, KY), climate 51 (Carter, KY): 41132, 41142, 41143, 41146, Carter, KY 41181; score 0 (Carter, KY), climate 44 (Carter, KY): 40351, 41141; score 0 (Carter, KY), climate 42 (Carter, KY): 41180; score 0 (Carter, KY), climate 41 (Carter, KY): 41164.
DLRadar rescores Carter, KY monthly; Carter, KY readings join Carter, KY foreclosure, lien and ownership parcels (Carter, KY), so cost-squeezed Carter, KY owners surface before listing.
Inside Kentucky, Carter County ranks 26th of 120 counties for home-insurance distress at 80/100; Mclean County (80/100) sits just above Carter County, and Hopkins County (80/100) sits just below Carter County.
Deterministic. Every Carter County, KY signal traces to a public Carter dataset (FEMA, NFIP, Census for Carter, KY) · how insurance distress works in Carter, KY · methodology
FAQ: Carter County, KY insurance distress
What is the Carter County, KY home-insurance-distress score?
Carter, KY: 80/100 (HIGH), #352 of 3,222, #26 in Kentucky. FEMA hazard, Carter, KY: 84/100; NFIP stress, Carter, KY: 74/100; construction, Carter, KY: 9/100; Carter, KY rescores monthly.
Is Carter County insurance distress getting better or worse (KY)?
Carter, KY: 85 in March 2026; Carter, KY: 85 in October 2026 (unchanged); Carter, KY climate component 92; Carter, KY NFIP claims score 74.
How many flood-insurance claims has Carter County, KY had?
Carter, KY: 4 NFIP claims, three years; Carter, KY paid $102,478; per Carter, KY claim $25,619; carriers reprice Carter, KY against that record.
Which Carter County ZIP codes carry the most insurance distress (KY)?
Carter, KY, June 2026: 41102 at 0, 41168 at 0, 41132 at 0, 41142 at 0; Carter, KY climate scores there: 71, 65, 51, 51.
Why does Carter, KY insurance distress create sellers?
A Carter, KY premium outruns the Carter, KY budget; a carrier leaves Carter, KY; Carter, KY carrying cost passes plan; Carter, KY owners sell while current; Carter, KY insurance distress leads Carter, KY foreclosure data.