Graves County, KY: Home-Insurance Distress & Forced-Sale Pressure
Graves County, KY: 69/100 (elevated) home-insurance distress; Graves, KY band MEDIUM; Graves, KY #666 of 3,222 counties; Graves, KY #74 of 120 in Kentucky; raw Graves, KY 68.3.
FEMA hazard, Graves, KY: 68/100; Graves, KY declarations, three years: 10; Graves, KY perils: 8 severe-storm; Graves, KY five-year count 18 (severity 31.5); Graves, KY ten-year 18; hazard-weighted, Graves, KY: 8.0.
Declared incidents on the Graves, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Graves, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Graves, KY).
NFIP claims, Graves, KY, three years: 5; Graves, KY payouts $53,202; per Graves, KY claim $10,640; Graves, KY claim-stress 69/100.
Graves, KY monthly score fell, 76 (March 2026) to 74 (October 2026); Graves, KY by month: March 76, April 76, May 73, June 73 (Graves, KY), July 80, August 71, September 71, October 74.
Graves, KY components: climate 77, NFIP claims 69; Graves, KY retreat index 74.
Construction distress, Graves, KY: 4/100 as of August 2026 (Graves, KY: 1/100 one-to-four unit, 20/100 multifamily).
Graves, KY ZIPs, June 2026 (Graves, KY, 16 highest): score 0 (Graves, KY), climate 89 (Graves, KY): 42003; score 0 (Graves, KY), climate 83 (Graves, KY): 42027, 42069; score 0 (Graves, KY), climate 82 (Graves, KY): 42051, 42061, 42079; score 0 (Graves, KY), climate 81 (Graves, KY): 42066; score 0 (Graves, KY), climate 80 (Graves, KY): 42040; score 0 (Graves, KY), climate 77 (Graves, KY): 42082; score 0 (Graves, KY), climate 73 (Graves, KY): 42049, 42054, 42071; score 0 (Graves, KY), climate 72 (Graves, KY): 42088; score 0 (Graves, KY), climate 63 (Graves, KY): 42025; score 0 (Graves, KY), climate 60 (Graves, KY): 42085; score 0 (Graves, KY), climate 50 (Graves, KY): 42041.
DLRadar rescores Graves, KY monthly; Graves, KY readings join Graves, KY foreclosure, lien and ownership parcels (Graves, KY), so cost-squeezed Graves, KY owners surface before listing.
Inside Kentucky, Graves County ranks 75th of 120 counties for home-insurance distress at 69/100; Bath County (69/100) sits just above Graves County, and Todd County (68/100) sits just below Graves County.
Deterministic. Every Graves County, KY signal traces to a public Graves dataset (FEMA, NFIP, Census for Graves, KY) · how insurance distress works in Graves, KY · methodology
FAQ: Graves County, KY insurance distress
What is the Graves County, KY home-insurance-distress score?
Graves, KY: 69/100 (MEDIUM), #666 of 3,222, #74 in Kentucky. FEMA hazard, Graves, KY: 68/100; NFIP stress, Graves, KY: 69/100; construction, Graves, KY: 4/100; Graves, KY rescores monthly.
Is Graves County insurance distress getting better or worse (KY)?
Graves, KY: 76 in March 2026; Graves, KY: 74 in October 2026 (better); Graves, KY climate component 77; Graves, KY NFIP claims score 69.
How many flood-insurance claims has Graves County, KY had?
Graves, KY: 5 NFIP claims, three years; Graves, KY paid $53,202; per Graves, KY claim $10,640; carriers reprice Graves, KY against that record.
Which Graves County ZIP codes carry the most insurance distress (KY)?
Graves, KY, June 2026: 42003 at 0, 42027 at 0, 42069 at 0, 42051 at 0; Graves, KY climate scores there: 89, 83, 83, 82.
Why does Graves, KY insurance distress create sellers?
A Graves, KY premium outruns the Graves, KY budget; a carrier leaves Graves, KY; Graves, KY carrying cost passes plan; Graves, KY owners sell while current; Graves, KY insurance distress leads Graves, KY foreclosure data.