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

Home-insurance pressure in Floyd County, Kentucky is currently severe — an insurance-distress score of 81/100, in the top tier nationally at #323 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.

Driving it: a FEMA hazard score of 71/100; NFIP flood-claim stress of 94/100 over three years, all of which push carriers toward higher rates or non-renewal.

Flood losses tell the story: 226 NFIP claims and $8,820,592 paid out over three years, averaging $39,029 apiece -- exactly the history that hardens rates.

Because premiums track rebuild cost, a 50/100 construction-distress reading in Floyd County feeds straight through to what owners are quoted.

For a buyer, Floyd County at 81/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.

It is the combination -- 71/100 hazard, 94/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

DLRadar does not treat 81/100 as a standalone number — the Floyd County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

The Floyd County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Floyd County's score to on-the-ground foreclosure and ownership data. The result is early access to owners whose trigger is insurance rather than default.