Hardin County, KY: Home-Insurance Distress & Forced-Sale Pressure
Hardin County, KY: 79/100 (severe) home-insurance distress; Hardin, KY band MEDIUM; Hardin, KY #399 of 3,222 counties; Hardin, KY #33 of 120 in Kentucky.
FEMA hazard, Hardin, KY: 68/100; Hardin, KY declarations, three years: 10; Hardin, KY perils: 8 severe-storm; Hardin, KY five-year count 15 (severity 27.0); Hardin, KY ten-year 15; hazard-weighted, Hardin, KY: 8.0.
Declared incidents on the Hardin, KY record: 2026 Winter Storm 3; 2026 Severe Storm 3 (Hardin, KY); 2025 Severe Storm 9; 2023 Severe Storm 3 (Hardin, KY).
NFIP claims, Hardin, KY, three years: 93; Hardin, KY payouts $4,072,749; per Hardin, KY claim $43,793; Hardin, KY claim-stress 94/100.
Hardin, KY monthly score rose, 81 (March 2026) to 84 (October 2026); Hardin, KY by month: March 81, April 81, May 79, June 79 (Hardin, KY), July 86, August 76, September 80, October 84.
Hardin, KY components: climate 77, NFIP claims 94; Hardin, KY retreat index 84.
Construction distress, Hardin, KY: 48/100 as of August 2026 (Hardin, KY: 41/100 one-to-four unit, 93/100 multifamily).
Hardin, KY ZIPs, June 2026 (Hardin, KY, 16 highest): score 0 (Hardin, KY), climate 78 (Hardin, KY): 40177; score 0 (Hardin, KY), climate 77 (Hardin, KY): 40150; score 0 (Hardin, KY), climate 76 (Hardin, KY): 40160, 40162, 42701, 42724, Hardin, KY 42732, 42740, 42788; score 0 (Hardin, KY), climate 71 (Hardin, KY): 40121; score 0 (Hardin, KY), climate 60 (Hardin, KY): 42712; score 0 (Hardin, KY), climate 58 (Hardin, KY): 42776; score 0 (Hardin, KY), climate 54 (Hardin, KY): 40175; score 0 (Hardin, KY), climate 46 (Hardin, KY): 40051, 42784; score 0 (Hardin, KY), climate 42 (Hardin, KY): 40140.
DLRadar rescores Hardin, KY monthly; Hardin, KY readings join Hardin, KY foreclosure, lien and ownership parcels (Hardin, KY), so cost-squeezed Hardin, KY owners surface before listing.
Inside Kentucky, Hardin County ranks 33rd of 120 counties for home-insurance distress at 79/100; Floyd County (79/100) sits just above Hardin County, and Mccracken County (79/100) sits just below Hardin County.
Deterministic. Every Hardin County, KY signal traces to a public Hardin dataset (FEMA, NFIP, Census for Hardin, KY) · how insurance distress works in Hardin, KY · methodology
FAQ: Hardin County, KY insurance distress
What is the Hardin County, KY home-insurance-distress score?
Hardin, KY: 79/100 (MEDIUM), #399 of 3,222, #33 in Kentucky. FEMA hazard, Hardin, KY: 68/100; NFIP stress, Hardin, KY: 94/100; construction, Hardin, KY: 48/100; Hardin, KY rescores monthly.
Is Hardin County insurance distress getting better or worse (KY)?
Hardin, KY: 81 in March 2026; Hardin, KY: 84 in October 2026 (worse); Hardin, KY climate component 77; Hardin, KY NFIP claims score 94.
How many flood-insurance claims has Hardin County, KY had?
Hardin, KY: 93 NFIP claims, three years; Hardin, KY paid $4,072,749; per Hardin, KY claim $43,793; carriers reprice Hardin, KY against that record.
Which Hardin County ZIP codes carry the most insurance distress (KY)?
Hardin, KY, June 2026: 40177 at 0, 40150 at 0, 40160 at 0, 40162 at 0; Hardin, KY climate scores there: 78, 77, 76, 76.
Why does Hardin, KY insurance distress create sellers?
A Hardin, KY premium outruns the Hardin, KY budget; a carrier leaves Hardin, KY; Hardin, KY carrying cost passes plan; Hardin, KY owners sell while current; Hardin, KY insurance distress leads Hardin, KY foreclosure data.