Floyd County, KY: Home-Insurance Distress & Forced-Sale Pressure
Floyd County, KY: 79/100 (severe) home-insurance distress; Floyd, KY band MEDIUM; Floyd, KY #396 of 3,222 counties; Floyd, KY #32 of 120 in Kentucky; raw Floyd, KY 78.4.
FEMA hazard, Floyd, KY: 68/100; Floyd, KY declarations, three years: 10; Floyd, KY perils: 8 severe-storm; Floyd, KY five-year count 21 (severity 36.0); Floyd, KY ten-year 21; hazard-weighted, Floyd, KY: 8.0.
Declared incidents on the Floyd, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Floyd, KY); 2023 Severe Storm 3; 2023 Flood 3 (Floyd, KY).
NFIP claims, Floyd, KY, three years: 229; Floyd, KY payouts $8,877,723; per Floyd, KY claim $38,767; Floyd, KY claim-stress 94/100.
Floyd, KY monthly score fell, 85 (March 2026) to 84 (October 2026); Floyd, KY by month: March 85, April 85, May 83, June 83 (Floyd, KY), July 90, August 80, September 80, October 84.
Floyd, KY components: climate 77, NFIP claims 94; Floyd, KY retreat index 84.
Construction distress, Floyd, KY: 27/100 as of August 2026 (Floyd, KY: 27/100 one-to-four unit, 3/100 multifamily).
Floyd, KY ZIPs, June 2026 (Floyd, KY, 16 highest): score 0 (Floyd, KY), climate 93 (Floyd, KY): 41601, 41602, 41603, 41604, Floyd, KY 41606, 41607, 41612, 41615, Floyd, KY 41616, 41619, 41621, 41622, Floyd, KY 41631, 41635, 41636, 41642.
DLRadar rescores Floyd, KY monthly; Floyd, KY readings join Floyd, KY foreclosure, lien and ownership parcels (Floyd, KY), so cost-squeezed Floyd, KY owners surface before listing.
Inside Kentucky, Floyd County ranks 32nd of 120 counties for home-insurance distress at 79/100; Garrard County (79/100) sits just above Floyd County, and Hardin County (79/100) sits just below Floyd County.
Deterministic. Every Floyd County, KY signal traces to a public Floyd dataset (FEMA, NFIP, Census for Floyd, KY) · how insurance distress works in Floyd, KY · methodology
FAQ: Floyd County, KY insurance distress
What is the Floyd County, KY home-insurance-distress score?
Floyd, KY: 79/100 (MEDIUM), #396 of 3,222, #32 in Kentucky. FEMA hazard, Floyd, KY: 68/100; NFIP stress, Floyd, KY: 94/100; construction, Floyd, KY: 27/100; Floyd, KY rescores monthly.
Is Floyd County insurance distress getting better or worse (KY)?
Floyd, KY: 85 in March 2026; Floyd, KY: 84 in October 2026 (better); Floyd, KY climate component 77; Floyd, KY NFIP claims score 94.
How many flood-insurance claims has Floyd County, KY had?
Floyd, KY: 229 NFIP claims, three years; Floyd, KY paid $8,877,723; per Floyd, KY claim $38,767; carriers reprice Floyd, KY against that record.
Which Floyd County ZIP codes carry the most insurance distress (KY)?
Floyd, KY, June 2026: 41601 at 0, 41602 at 0, 41603 at 0, 41604 at 0; Floyd, KY climate scores there: 93, 93, 93, 93.
Why does Floyd, KY insurance distress create sellers?
A Floyd, KY premium outruns the Floyd, KY budget; a carrier leaves Floyd, KY; Floyd, KY carrying cost passes plan; Floyd, KY owners sell while current; Floyd, KY insurance distress leads Floyd, KY foreclosure data.