Daviess County, KY: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Daviess County, Kentucky is currently severe — an insurance-distress score of 73/100, in the upper half of U.S. counties at #543 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

Behind the score sit a FEMA hazard score of 64/100; NFIP flood-claim stress of 86/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

A #543 national standing means little alone; DLRadar pairs Daviess County's coverage stress with default and ownership data before calling a parcel distressed.

Rebuild-cost inflation compounds it: construction-distress reads 84/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

Over the trailing three years, Daviess County recorded 32 NFIP flood claims totaling $707,745 paid (about $22,117 per claim) — the loss history that pushes premiums up and coverage out.

Practically, Daviess County's 73/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.

Daviess County's 73/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #543 position shifts between updates.

The gap between physical hazard (64/100) and realized flood losses (86/100) is what DLRadar watches to flag insurance-driven sellers in Daviess County.

The nationwide monthly build covers all 3,222 counties and connects Daviess County reading to real foreclosure, tax-lien and ownership records. That is how coverage-pressured owners surface before they reach the open market.