Franklin County, KY: Home-Insurance Distress & Forced-Sale Pressure
Franklin County, KY: 90/100 (severe) home-insurance distress; Franklin, KY band HIGH; Franklin, KY #104 of 3,222 counties; Franklin, KY #1 of 120 in Kentucky; raw Franklin, KY 89.5.
FEMA hazard, Franklin, KY: 84/100; Franklin, KY declarations, three years: 12; Franklin, KY perils: 2 tropical-storm, 8 severe-storm; Franklin, KY five-year count 21 (severity 37.5); Franklin, KY ten-year 21; hazard-weighted, Franklin, KY: 14.0.
Declared incidents on the Franklin, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Franklin, KY); 2024 Tropical Storm 3; 2023 Severe Storm 3 (Franklin, KY).
NFIP claims, Franklin, KY, three years: 133; Franklin, KY payouts $13,914,657; per Franklin, KY claim $104,621; Franklin, KY claim-stress 98/100.
Franklin, KY monthly score rose, 94 (March 2026) to 95 (October 2026); Franklin, KY by month: March 94, April 94, May 93, June 93 (Franklin, KY), July 96, August 92, September 90, October 95.
Franklin, KY components: climate 92, NFIP claims 98; Franklin, KY retreat index 95.
Construction distress, Franklin, KY: 12/100 as of August 2026 (Franklin, KY: 36/100 one-to-four unit, 3/100 multifamily).
Franklin, KY ZIPs, June 2026 (Franklin, KY, 5 highest): score 0 (Franklin, KY), climate 64 (Franklin, KY): 40601; score 0 (Franklin, KY), climate 63 (Franklin, KY): 40003; score 0 (Franklin, KY), climate 60 (Franklin, KY): 40076; score 0 (Franklin, KY), climate 58 (Franklin, KY): 40379; score 0 (Franklin, KY), climate 47 (Franklin, KY): 40347.
DLRadar rescores Franklin, KY monthly; Franklin, KY readings join Franklin, KY foreclosure, lien and ownership parcels (Franklin, KY), so cost-squeezed Franklin, KY owners surface before listing.
Inside Kentucky, Franklin County ranks 1st of 120 counties for home-insurance distress at 90/100; Greenup County (89/100) sits just below Franklin County.
Deterministic. Every Franklin County, KY signal traces to a public Franklin dataset (FEMA, NFIP, Census for Franklin, KY) · how insurance distress works in Franklin, KY · methodology
FAQ: Franklin County, KY insurance distress
What is the Franklin County, KY home-insurance-distress score?
Franklin, KY: 90/100 (HIGH), #104 of 3,222, #1 in Kentucky. FEMA hazard, Franklin, KY: 84/100; NFIP stress, Franklin, KY: 98/100; construction, Franklin, KY: 12/100; Franklin, KY rescores monthly.
Is Franklin County insurance distress getting better or worse (KY)?
Franklin, KY: 94 in March 2026; Franklin, KY: 95 in October 2026 (worse); Franklin, KY climate component 92; Franklin, KY NFIP claims score 98.
How many flood-insurance claims has Franklin County, KY had?
Franklin, KY: 133 NFIP claims, three years; Franklin, KY paid $13,914,657; per Franklin, KY claim $104,621; carriers reprice Franklin, KY against that record.
Which Franklin County ZIP codes carry the most insurance distress (KY)?
Franklin, KY, June 2026: 40601 at 0, 40003 at 0, 40076 at 0, 40379 at 0; Franklin, KY climate scores there: 64, 63, 60, 58.
Why does Franklin, KY insurance distress create sellers?
A Franklin, KY premium outruns the Franklin, KY budget; a carrier leaves Franklin, KY; Franklin, KY carrying cost passes plan; Franklin, KY owners sell while current; Franklin, KY insurance distress leads Franklin, KY foreclosure data.