Clay County, KY: Home-Insurance Distress & Forced-Sale Pressure
Clay County, KY: 82/100 (severe) home-insurance distress; Clay, KY band HIGH; Clay, KY #291 of 3,222 counties; Clay, KY #17 of 120 in Kentucky.
FEMA hazard, Clay, KY: 90/100; Clay, KY declarations, three years: 18; Clay, KY perils: 2 tropical-storm, 12 severe-storm; Clay, KY five-year count 30 (severity 51.0); Clay, KY ten-year 30; hazard-weighted, Clay, KY: 18.0.
Declared incidents on the Clay, KY record: 2026 Winter Storm 4; 2025 Severe Storm 10 (Clay, KY); 2024 Tropical Storm 2; 2024 Severe Storm 2 (Clay, KY); 2023 Severe Storm 3; 2023 Flood 3 (Clay, KY).
NFIP claims, Clay, KY, three years: 3; Clay, KY payouts $72,414; per Clay, KY claim $24,138; Clay, KY claim-stress 71/100.
Clay, KY monthly score fell, 86 (March 2026) to 85 (October 2026); Clay, KY by month: March 86, April 86, May 85, June 85 (Clay, KY), July 87, August 85, September 84, October 85.
Clay, KY components: climate 94, NFIP claims 71; Clay, KY retreat index 85.
Construction distress, Clay, KY: 25/100 as of August 2026 (Clay, KY: 20/100 one-to-four unit, 22/100 multifamily).
Clay, KY ZIPs, June 2026 (Clay, KY, 10 highest): score 0 (Clay, KY), climate 69 (Clay, KY): 40741, 40744; score 0 (Clay, KY), climate 62 (Clay, KY): 40913; score 0 (Clay, KY), climate 60 (Clay, KY): 40941, 40962; score 0 (Clay, KY), climate 59 (Clay, KY): 40972; score 0 (Clay, KY), climate 51 (Clay, KY): 40914; score 0 (Clay, KY), climate 33 (Clay, KY): 40874; score 0 (Clay, KY), climate 28 (Clay, KY): 40983; score 0 (Clay, KY), climate 21 (Clay, KY): 40486.
DLRadar rescores Clay, KY monthly; Clay, KY readings join Clay, KY foreclosure, lien and ownership parcels (Clay, KY), so cost-squeezed Clay, KY owners surface before listing.
Inside Kentucky, Clay County ranks 17th of 120 counties for home-insurance distress at 82/100; Clark County (82/100) sits just above Clay County, and Jessamine County (82/100) sits just below Clay County.
Deterministic. Every Clay County, KY signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, KY) · how insurance distress works in Clay, KY · methodology
FAQ: Clay County, KY insurance distress
What is the Clay County, KY home-insurance-distress score?
Clay, KY: 82/100 (HIGH), #291 of 3,222, #17 in Kentucky. FEMA hazard, Clay, KY: 90/100; NFIP stress, Clay, KY: 71/100; construction, Clay, KY: 25/100; Clay, KY rescores monthly.
Is Clay County insurance distress getting better or worse (KY)?
Clay, KY: 86 in March 2026; Clay, KY: 85 in October 2026 (better); Clay, KY climate component 94; Clay, KY NFIP claims score 71.
How many flood-insurance claims has Clay County, KY had?
Clay, KY: 3 NFIP claims, three years; Clay, KY paid $72,414; per Clay, KY claim $24,138; carriers reprice Clay, KY against that record.
Which Clay County ZIP codes carry the most insurance distress (KY)?
Clay, KY, June 2026: 40741 at 0, 40744 at 0, 40913 at 0, 40941 at 0; Clay, KY climate scores there: 69, 69, 62, 60.
Why does Clay, KY insurance distress create sellers?
A Clay, KY premium outruns the Clay, KY budget; a carrier leaves Clay, KY; Clay, KY carrying cost passes plan; Clay, KY owners sell while current; Clay, KY insurance distress leads Clay, KY foreclosure data.