Harrison County, KY: Home-Insurance Distress & Forced-Sale Pressure

Insurance distress in Harrison County, Kentucky reads severe (78/100), in the top tier nationally — #418 nationally. More and more, it is the insurance bill rather than the mortgage that turns a Harrison County owner into a seller.

Driving it: a FEMA hazard score of 83/100; NFIP flood-claim stress of 70/100 over three years, all of which push carriers toward higher rates or non-renewal.

Each month new hazard revisions and claim settlements refresh Harrison County, keeping its insurance-distress score aligned with the live market.

Put the 83/100 hazard reading next to 70/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

Taken with the county's foreclosure and lien record, 78/100 tells you whether Harrison County owners face a coverage problem or a solvency problem — the two need different outreach.

Harrison County's 78/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

Over the trailing three years, Harrison County recorded 3 NFIP flood claims totaling $50,551 paid (about $16,850 per claim) — the loss history that pushes premiums up and coverage out.

With construction distress at 46/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.