Fayette County, KY: Home-Insurance Distress & Forced-Sale Pressure
Fayette County, KY: 72/100 (severe) home-insurance distress; Fayette, KY band MEDIUM; Fayette, KY #588 of 3,222 counties; Fayette, KY #69 of 120 in Kentucky; raw Fayette, KY 69.1.
FEMA hazard, Fayette, KY: 63/100; Fayette, KY declarations, three years: 8; Fayette, KY perils: 6 severe-storm; Fayette, KY five-year count 15 (severity 25.5); Fayette, KY ten-year 15; hazard-weighted, Fayette, KY: 6.0.
Declared incidents on the Fayette, KY record: 2026 Winter Storm 3; 2025 Severe Storm 6 (Fayette, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Fayette, KY).
NFIP claims, Fayette, KY, three years: 13; Fayette, KY payouts $428,106; per Fayette, KY claim $32,931; Fayette, KY claim-stress 84/100.
Fayette, KY monthly score held, 77 (March 2026) to 77 (October 2026); Fayette, KY by month: March 77, April 77, May 75, June 75 (Fayette, KY), July 81, August 72, September 71, October 77.
Fayette, KY components: climate 72, NFIP claims 84; Fayette, KY retreat index 77.
Construction distress, Fayette, KY: 48/100 as of August 2026 (Fayette, KY: 57/100 one-to-four unit, 39/100 multifamily).
Fayette, KY ZIPs, June 2026 (Fayette, KY, 16 highest): score 0 (Fayette, KY), climate 92 (Fayette, KY): 40502, 40503, 40504, 40505, Fayette, KY 40507, 40508, 40510, 40513, Fayette, KY 40514, 40517, 40526, 40536; score 0 (Fayette, KY), climate 88 (Fayette, KY): 40509, 40511; score 0 (Fayette, KY), climate 85 (Fayette, KY): 40515, 40516.
DLRadar rescores Fayette, KY monthly; Fayette, KY readings join Fayette, KY foreclosure, lien and ownership parcels (Fayette, KY), so cost-squeezed Fayette, KY owners surface before listing.
Inside Kentucky, Fayette County ranks 67th of 120 counties for home-insurance distress at 72/100; Daviess County (72/100) sits just above Fayette County, and Trimble County (72/100) sits just below Fayette County.
Deterministic. Every Fayette County, KY signal traces to a public Fayette dataset (FEMA, NFIP, Census for Fayette, KY) · how insurance distress works in Fayette, KY · methodology
FAQ: Fayette County, KY insurance distress
What is the Fayette County, KY home-insurance-distress score?
Fayette, KY: 72/100 (MEDIUM), #588 of 3,222, #69 in Kentucky. FEMA hazard, Fayette, KY: 63/100; NFIP stress, Fayette, KY: 84/100; construction, Fayette, KY: 48/100; Fayette, KY rescores monthly.
Is Fayette County insurance distress getting better or worse (KY)?
Fayette, KY: 77 in March 2026; Fayette, KY: 77 in October 2026 (unchanged); Fayette, KY climate component 72; Fayette, KY NFIP claims score 84.
How many flood-insurance claims has Fayette County, KY had?
Fayette, KY: 13 NFIP claims, three years; Fayette, KY paid $428,106; per Fayette, KY claim $32,931; carriers reprice Fayette, KY against that record.
Which Fayette County ZIP codes carry the most insurance distress (KY)?
Fayette, KY, June 2026: 40502 at 0, 40503 at 0, 40504 at 0, 40505 at 0; Fayette, KY climate scores there: 92, 92, 92, 92.
Why does Fayette, KY insurance distress create sellers?
A Fayette, KY premium outruns the Fayette, KY budget; a carrier leaves Fayette, KY; Fayette, KY carrying cost passes plan; Fayette, KY owners sell while current; Fayette, KY insurance distress leads Fayette, KY foreclosure data.