Clark County, KY: Home-Insurance Distress & Forced-Sale Pressure
Clark County, KY: 82/100 (severe) home-insurance distress; Clark, KY band HIGH; Clark, KY #288 of 3,222 counties; Clark, KY #14 of 120 in Kentucky.
FEMA hazard, Clark, KY: 78/100; Clark, KY declarations, three years: 10; Clark, KY perils: 2 tropical-storm, 6 severe-storm; Clark, KY five-year count 18 (severity 31.5); Clark, KY ten-year 18; hazard-weighted, Clark, KY: 12.0.
Declared incidents on the Clark, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Clark, KY); 2024 Tropical Storm 3; 2023 Severe Storm 3 (Clark, KY).
NFIP claims, Clark, KY, three years: 30; Clark, KY payouts $1,007,441; per Clark, KY claim $33,581; Clark, KY claim-stress 89/100.
Clark, KY monthly score rose, 88 (March 2026) to 89 (October 2026); Clark, KY by month: March 88, April 88, May 87, June 87 (Clark, KY), July 92, August 86, September 83, October 89.
Clark, KY components: climate 88, NFIP claims 89; Clark, KY retreat index 89.
Construction distress, Clark, KY: 49/100 as of August 2026 (Clark, KY: 48/100 one-to-four unit, 49/100 multifamily).
Clark, KY ZIPs, June 2026 (Clark, KY, 4 highest): score 0 (Clark, KY), climate 88 (Clark, KY): 40509; score 0 (Clark, KY), climate 85 (Clark, KY): 40515; score 0 (Clark, KY), climate 43 (Clark, KY): 40391; score 0 (Clark, KY), climate 36 (Clark, KY): 40353.
DLRadar rescores Clark, KY monthly; Clark, KY readings join Clark, KY foreclosure, lien and ownership parcels (Clark, KY), so cost-squeezed Clark, KY owners surface before listing.
Inside Kentucky, Clark County ranks 16th of 120 counties for home-insurance distress at 82/100; Christian County (82/100) sits just above Clark County, and Clay County (82/100) sits just below Clark County.
Deterministic. Every Clark County, KY signal traces to a public Clark dataset (FEMA, NFIP, Census for Clark, KY) · how insurance distress works in Clark, KY · methodology
FAQ: Clark County, KY insurance distress
What is the Clark County, KY home-insurance-distress score?
Clark, KY: 82/100 (HIGH), #288 of 3,222, #14 in Kentucky. FEMA hazard, Clark, KY: 78/100; NFIP stress, Clark, KY: 89/100; construction, Clark, KY: 49/100; Clark, KY rescores monthly.
Is Clark County insurance distress getting better or worse (KY)?
Clark, KY: 88 in March 2026; Clark, KY: 89 in October 2026 (worse); Clark, KY climate component 88; Clark, KY NFIP claims score 89.
How many flood-insurance claims has Clark County, KY had?
Clark, KY: 30 NFIP claims, three years; Clark, KY paid $1,007,441; per Clark, KY claim $33,581; carriers reprice Clark, KY against that record.
Which Clark County ZIP codes carry the most insurance distress (KY)?
Clark, KY, June 2026: 40509 at 0, 40515 at 0, 40391 at 0, 40353 at 0; Clark, KY climate scores there: 88, 85, 43, 36.
Why does Clark, KY insurance distress create sellers?
A Clark, KY premium outruns the Clark, KY budget; a carrier leaves Clark, KY; Clark, KY carrying cost passes plan; Clark, KY owners sell while current; Clark, KY insurance distress leads Clark, KY foreclosure data.