Gallatin County, KY: Home-Insurance Distress & Forced-Sale Pressure
Gallatin County, KY: 70/100 (severe) home-insurance distress; Gallatin, KY band MEDIUM; Gallatin, KY #625 of 3,222 counties; Gallatin, KY #71 of 120 in Kentucky.
FEMA hazard, Gallatin, KY: 63/100; Gallatin, KY declarations, three years: 8; Gallatin, KY perils: 6 severe-storm; Gallatin, KY five-year count 15 (severity 27.0); Gallatin, KY ten-year 15; hazard-weighted, Gallatin, KY: 6.0.
Declared incidents on the Gallatin, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Gallatin, KY); 2023 Severe Storm 3 (Gallatin, KY).
NFIP claims, Gallatin, KY, three years: 13; Gallatin, KY payouts $277,831; per Gallatin, KY claim $21,372; Gallatin, KY claim-stress 81/100.
Gallatin, KY monthly score fell, 76 (March 2026) to 75 (October 2026); Gallatin, KY by month: March 76, April 76, May 74, June 74 (Gallatin, KY), July 81, August 71, September 71, October 75.
Gallatin, KY components: climate 72, NFIP claims 81; Gallatin, KY retreat index 75.
Construction distress, Gallatin, KY: 29/100 as of August 2026 (Gallatin, KY: 43/100 one-to-four unit, 0/100 multifamily).
Gallatin, KY ZIPs, June 2026 (Gallatin, KY, 6 highest): score 0 (Gallatin, KY), climate 57 (Gallatin, KY): 41092; score 0 (Gallatin, KY), climate 20 (Gallatin, KY): 41045, 41083; score 0 (Gallatin, KY), climate 17 (Gallatin, KY): 41046, 41086, 41095.
DLRadar rescores Gallatin, KY monthly; Gallatin, KY readings join Gallatin, KY foreclosure, lien and ownership parcels (Gallatin, KY), so cost-squeezed Gallatin, KY owners surface before listing.
Inside Kentucky, Gallatin County ranks 71st of 120 counties for home-insurance distress at 70/100; Calloway County (70/100) sits just above Gallatin County, and Knox County (70/100) sits just below Gallatin County.
Deterministic. Every Gallatin County, KY signal traces to a public Gallatin dataset (FEMA, NFIP, Census for Gallatin, KY) · how insurance distress works in Gallatin, KY · methodology
FAQ: Gallatin County, KY insurance distress
What is the Gallatin County, KY home-insurance-distress score?
Gallatin, KY: 70/100 (MEDIUM), #625 of 3,222, #71 in Kentucky. FEMA hazard, Gallatin, KY: 63/100; NFIP stress, Gallatin, KY: 81/100; construction, Gallatin, KY: 29/100; Gallatin, KY rescores monthly.
Is Gallatin County insurance distress getting better or worse (KY)?
Gallatin, KY: 76 in March 2026; Gallatin, KY: 75 in October 2026 (better); Gallatin, KY climate component 72; Gallatin, KY NFIP claims score 81.
How many flood-insurance claims has Gallatin County, KY had?
Gallatin, KY: 13 NFIP claims, three years; Gallatin, KY paid $277,831; per Gallatin, KY claim $21,372; carriers reprice Gallatin, KY against that record.
Which Gallatin County ZIP codes carry the most insurance distress (KY)?
Gallatin, KY, June 2026: 41092 at 0, 41045 at 0, 41083 at 0, 41046 at 0; Gallatin, KY climate scores there: 57, 20, 20, 17.
Why does Gallatin, KY insurance distress create sellers?
A Gallatin, KY premium outruns the Gallatin, KY budget; a carrier leaves Gallatin, KY; Gallatin, KY carrying cost passes plan; Gallatin, KY owners sell while current; Gallatin, KY insurance distress leads Gallatin, KY foreclosure data.