Harrison County, KY: Home-Insurance Distress & Forced-Sale Pressure
Harrison County, KY: 74/100 (severe) home-insurance distress; Harrison, KY band MEDIUM; Harrison, KY #526 of 3,222 counties; Harrison, KY #54 of 120 in Kentucky.
FEMA hazard, Harrison, KY: 78/100; Harrison, KY declarations, three years: 10; Harrison, KY perils: 2 tropical-storm, 6 severe-storm; Harrison, KY five-year count 18 (severity 31.5); Harrison, KY ten-year 18; hazard-weighted, Harrison, KY: 12.0.
Declared incidents on the Harrison, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Harrison, KY); 2024 Tropical Storm 3; 2023 Severe Storm 3 (Harrison, KY).
NFIP claims, Harrison, KY, three years: 3; Harrison, KY payouts $50,551; per Harrison, KY claim $16,850; Harrison, KY claim-stress 68/100.
Harrison, KY monthly score fell, 81 (March 2026) to 80 (October 2026); Harrison, KY by month: March 81, April 81, May 79, June 79 (Harrison, KY), July 85, August 79, September 76, October 80.
Harrison, KY components: climate 88, NFIP claims 68; Harrison, KY retreat index 80.
Construction distress, Harrison, KY: 40/100 as of August 2026 (Harrison, KY: 40/100 one-to-four unit, 55/100 multifamily).
Harrison, KY ZIPs, June 2026 (Harrison, KY, 6 highest): score 0 (Harrison, KY), climate 53 (Harrison, KY): 40370; score 0 (Harrison, KY), climate 39 (Harrison, KY): 40361; score 0 (Harrison, KY), climate 32 (Harrison, KY): 41003, 41031; score 0 (Harrison, KY), climate 21 (Harrison, KY): 41010; score 0 (Harrison, KY), climate 2 (Harrison, KY): 41064.
DLRadar rescores Harrison, KY monthly; Harrison, KY readings join Harrison, KY foreclosure, lien and ownership parcels (Harrison, KY), so cost-squeezed Harrison, KY owners surface before listing.
Inside Kentucky, Harrison County ranks 55th of 120 counties for home-insurance distress at 74/100; Crittenden County (74/100) sits just above Harrison County, and Clinton County (74/100) sits just below Harrison County.
Deterministic. Every Harrison County, KY signal traces to a public Harrison dataset (FEMA, NFIP, Census for Harrison, KY) · how insurance distress works in Harrison, KY · methodology
FAQ: Harrison County, KY insurance distress
What is the Harrison County, KY home-insurance-distress score?
Harrison, KY: 74/100 (MEDIUM), #526 of 3,222, #54 in Kentucky. FEMA hazard, Harrison, KY: 78/100; NFIP stress, Harrison, KY: 68/100; construction, Harrison, KY: 40/100; Harrison, KY rescores monthly.
Is Harrison County insurance distress getting better or worse (KY)?
Harrison, KY: 81 in March 2026; Harrison, KY: 80 in October 2026 (better); Harrison, KY climate component 88; Harrison, KY NFIP claims score 68.
How many flood-insurance claims has Harrison County, KY had?
Harrison, KY: 3 NFIP claims, three years; Harrison, KY paid $50,551; per Harrison, KY claim $16,850; carriers reprice Harrison, KY against that record.
Which Harrison County ZIP codes carry the most insurance distress (KY)?
Harrison, KY, June 2026: 40370 at 0, 40361 at 0, 41003 at 0, 41031 at 0; Harrison, KY climate scores there: 53, 39, 32, 32.
Why does Harrison, KY insurance distress create sellers?
A Harrison, KY premium outruns the Harrison, KY budget; a carrier leaves Harrison, KY; Harrison, KY carrying cost passes plan; Harrison, KY owners sell while current; Harrison, KY insurance distress leads Harrison, KY foreclosure data.