Cumberland County, KY: Home-Insurance Distress & Forced-Sale Pressure
Cumberland County, KY: 40/100 (moderate) home-insurance distress; Cumberland, KY band LOW; Cumberland, KY #1,305 of 3,222 counties; Cumberland, KY #101 of 120 in Kentucky; raw Cumberland, KY 46.8; Cumberland, KY coverage multiplier 0.85.
FEMA hazard, Cumberland, KY: 78/100; Cumberland, KY declarations, three years: 16; Cumberland, KY perils: 12 severe-storm; Cumberland, KY five-year count 21 (severity 37.5); Cumberland, KY ten-year 21; hazard-weighted, Cumberland, KY: 12.0.
Declared incidents on the Cumberland, KY record: 2026 Winter Storm 6; 2026 Severe Storm 3 (Cumberland, KY); 2025 Severe Storm 12; 2024 Severe Storm 3 (Cumberland, KY); 2023 Severe Storm 3 (Cumberland, KY).
NFIP claims, Cumberland, KY, three years: none; Cumberland, KY claim-stress 0/100.
Cumberland, KY monthly score rose, 43 (March 2026) to 45 (October 2026); Cumberland, KY by month: March 43, April 43, May 40, June 40 (Cumberland, KY), July 46, August 40, September 40, October 45.
Cumberland, KY components: climate 88; Cumberland, KY retreat index 45; Cumberland, KY climate multiplier 0.85.
Construction distress, Cumberland, KY: 7/100 as of August 2026 (Cumberland, KY: 7/100 one-to-four unit, 0/100 multifamily).
Cumberland, KY ZIPs, June 2026 (Cumberland, KY, 4 highest): score 0 (Cumberland, KY), climate 29 (Cumberland, KY): 42715; score 0 (Cumberland, KY), climate 23 (Cumberland, KY): 42717, 42759; score 0 (Cumberland, KY), climate 21 (Cumberland, KY): 42167.
DLRadar rescores Cumberland, KY monthly; Cumberland, KY readings join Cumberland, KY foreclosure, lien and ownership parcels (Cumberland, KY), so cost-squeezed Cumberland, KY owners surface before listing.
Inside Kentucky, Cumberland County ranks 101st of 120 counties for home-insurance distress at 40/100; Carlisle County (40/100) sits just above Cumberland County, and Trigg County (40/100) sits just below Cumberland County.
Deterministic. Every Cumberland County, KY signal traces to a public Cumberland dataset (FEMA, NFIP, Census for Cumberland, KY) · how insurance distress works in Cumberland, KY · methodology
FAQ: Cumberland County, KY insurance distress
What is the Cumberland County, KY home-insurance-distress score?
Cumberland, KY: 40/100 (LOW), #1,305 of 3,222, #101 in Kentucky. FEMA hazard, Cumberland, KY: 78/100; NFIP stress, Cumberland, KY: 0/100; construction, Cumberland, KY: 7/100; Cumberland, KY rescores monthly.
Is Cumberland County insurance distress getting better or worse (KY)?
Cumberland, KY: 43 in March 2026; Cumberland, KY: 45 in October 2026 (worse); Cumberland, KY climate component 88.
Which Cumberland County ZIP codes carry the most insurance distress (KY)?
Cumberland, KY, June 2026: 42715 at 0, 42717 at 0, 42759 at 0, 42167 at 0; Cumberland, KY climate scores there: 29, 23, 23, 21.
Why does Cumberland, KY insurance distress create sellers?
A Cumberland, KY premium outruns the Cumberland, KY budget; a carrier leaves Cumberland, KY; Cumberland, KY carrying cost passes plan; Cumberland, KY owners sell while current; Cumberland, KY insurance distress leads Cumberland, KY foreclosure data.