Harlan County, KY: Home-Insurance Distress & Forced-Sale Pressure
Harlan County, KY: 78/100 (severe) home-insurance distress; Harlan, KY band MEDIUM; Harlan, KY #404 of 3,222 counties; Harlan, KY #37 of 120 in Kentucky.
FEMA hazard, Harlan, KY: 84/100; Harlan, KY declarations, three years: 12; Harlan, KY perils: 2 tropical-storm, 8 severe-storm; Harlan, KY five-year count 21 (severity 36.0); Harlan, KY ten-year 21; hazard-weighted, Harlan, KY: 14.0.
Declared incidents on the Harlan, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Harlan, KY); 2024 Tropical Storm 3; 2024 Severe Storm 3 (Harlan, KY); 2023 Flood 3 (Harlan, KY).
NFIP claims, Harlan, KY, three years: 9; Harlan, KY payouts $59,731; per Harlan, KY claim $6,637; Harlan, KY claim-stress 70/100.
Harlan, KY monthly score held, 83 (March 2026) to 83 (October 2026); Harlan, KY by month: March 83, April 83, May 81, June 81 (Harlan, KY), July 84, August 81, September 79, October 83.
Harlan, KY components: climate 92, NFIP claims 70; Harlan, KY retreat index 83.
Construction distress, Harlan, KY: 0/100 as of August 2026 (Harlan, KY: 0/100 one-to-four unit, 0/100 multifamily).
Harlan, KY ZIPs, June 2026 (Harlan, KY, 16 highest): score 0 (Harlan, KY), climate 63 (Harlan, KY): 40988; score 0 (Harlan, KY), climate 61 (Harlan, KY): 40801, 40806, 40807, 40815, Harlan, KY 40818, 40819, 40820, 40823, Harlan, KY 40824, 40828, 40829, 40830, Harlan, KY 40831, 40843, 40847.
DLRadar rescores Harlan, KY monthly; Harlan, KY readings join Harlan, KY foreclosure, lien and ownership parcels (Harlan, KY), so cost-squeezed Harlan, KY owners surface before listing.
Inside Kentucky, Harlan County ranks 36th of 120 counties for home-insurance distress at 78/100; Marshall County (79/100) sits just above Harlan County, and Green County (78/100) sits just below Harlan County.
Deterministic. Every Harlan County, KY signal traces to a public Harlan dataset (FEMA, NFIP, Census for Harlan, KY) · how insurance distress works in Harlan, KY · methodology
FAQ: Harlan County, KY insurance distress
What is the Harlan County, KY home-insurance-distress score?
Harlan, KY: 78/100 (MEDIUM), #404 of 3,222, #37 in Kentucky. FEMA hazard, Harlan, KY: 84/100; NFIP stress, Harlan, KY: 70/100; construction, Harlan, KY: 0/100; Harlan, KY rescores monthly.
Is Harlan County insurance distress getting better or worse (KY)?
Harlan, KY: 83 in March 2026; Harlan, KY: 83 in October 2026 (unchanged); Harlan, KY climate component 92; Harlan, KY NFIP claims score 70.
How many flood-insurance claims has Harlan County, KY had?
Harlan, KY: 9 NFIP claims, three years; Harlan, KY paid $59,731; per Harlan, KY claim $6,637; carriers reprice Harlan, KY against that record.
Which Harlan County ZIP codes carry the most insurance distress (KY)?
Harlan, KY, June 2026: 40988 at 0, 40801 at 0, 40806 at 0, 40807 at 0; Harlan, KY climate scores there: 63, 61, 61, 61.
Why does Harlan, KY insurance distress create sellers?
A Harlan, KY premium outruns the Harlan, KY budget; a carrier leaves Harlan, KY; Harlan, KY carrying cost passes plan; Harlan, KY owners sell while current; Harlan, KY insurance distress leads Harlan, KY foreclosure data.