Estill County, KY: Home-Insurance Distress & Forced-Sale Pressure
Estill County, KY: 85/100 (severe) home-insurance distress; Estill, KY band HIGH; Estill, KY #221 of 3,222 counties; Estill, KY #6 of 120 in Kentucky.
FEMA hazard, Estill, KY: 90/100; Estill, KY declarations, three years: 16; Estill, KY perils: 2 tropical-storm, 12 severe-storm; Estill, KY five-year count 27 (severity 48.0); Estill, KY ten-year 27; hazard-weighted, Estill, KY: 18.0.
Declared incidents on the Estill, KY record: 2026 Winter Storm 2; 2025 Severe Storm 10 (Estill, KY); 2024 Tropical Storm 2; 2024 Severe Storm 2 (Estill, KY); 2023 Severe Storm 3 (Estill, KY).
NFIP claims, Estill, KY, three years: 10; Estill, KY payouts $198,772; per Estill, KY claim $19,877; Estill, KY claim-stress 79/100.
Estill, KY monthly score fell, 89 (March 2026) to 88 (October 2026); Estill, KY by month: March 89, April 89, May 88, June 88 (Estill, KY), July 90, August 88, September 87, October 88.
Estill, KY components: climate 94, NFIP claims 79; Estill, KY retreat index 88.
Construction distress, Estill, KY: 100/100 as of August 2026 (Estill, KY: 100/100 one-to-four unit, 0/100 multifamily).
Estill, KY ZIPs, June 2026 (Estill, KY, 5 highest): score 0 (Estill, KY), climate 36 (Estill, KY): 40472; score 0 (Estill, KY), climate 35 (Estill, KY): 40336; score 0 (Estill, KY), climate 27 (Estill, KY): 40380; score 0 (Estill, KY), climate 26 (Estill, KY): 40312; score 0 (Estill, KY), climate 21 (Estill, KY): 40447.
DLRadar rescores Estill, KY monthly; Estill, KY readings join Estill, KY foreclosure, lien and ownership parcels (Estill, KY), so cost-squeezed Estill, KY owners surface before listing.
Inside Kentucky, Estill County ranks 6th of 120 counties for home-insurance distress at 85/100; Breathitt County (86/100) sits just above Estill County, and Powell County (84/100) sits just below Estill County.
Deterministic. Every Estill County, KY signal traces to a public Estill dataset (FEMA, NFIP, Census for Estill, KY) · how insurance distress works in Estill, KY · methodology
FAQ: Estill County, KY insurance distress
What is the Estill County, KY home-insurance-distress score?
Estill, KY: 85/100 (HIGH), #221 of 3,222, #6 in Kentucky. FEMA hazard, Estill, KY: 90/100; NFIP stress, Estill, KY: 79/100; construction, Estill, KY: 100/100; Estill, KY rescores monthly.
Is Estill County insurance distress getting better or worse (KY)?
Estill, KY: 89 in March 2026; Estill, KY: 88 in October 2026 (better); Estill, KY climate component 94; Estill, KY NFIP claims score 79.
How many flood-insurance claims has Estill County, KY had?
Estill, KY: 10 NFIP claims, three years; Estill, KY paid $198,772; per Estill, KY claim $19,877; carriers reprice Estill, KY against that record.
Which Estill County ZIP codes carry the most insurance distress (KY)?
Estill, KY, June 2026: 40472 at 0, 40336 at 0, 40380 at 0, 40312 at 0; Estill, KY climate scores there: 36, 35, 27, 26.
Why does Estill, KY insurance distress create sellers?
A Estill, KY premium outruns the Estill, KY budget; a carrier leaves Estill, KY; Estill, KY carrying cost passes plan; Estill, KY owners sell while current; Estill, KY insurance distress leads Estill, KY foreclosure data.