Hart County, KY: Home-Insurance Distress & Forced-Sale Pressure
Hart County, KY: 50/100 (elevated) home-insurance distress; Hart, KY band MEDIUM; Hart, KY #1,074 of 3,222 counties; Hart, KY #89 of 120 in Kentucky.
FEMA hazard, Hart, KY: 74/100; Hart, KY declarations, three years: 12; Hart, KY perils: 10 severe-storm; Hart, KY five-year count 24 (severity 40.5); Hart, KY ten-year 24; hazard-weighted, Hart, KY: 10.0.
Declared incidents on the Hart, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Hart, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Hart, KY); 2023 Flood 3 (Hart, KY).
NFIP claims, Hart, KY, three years: 1; Hart, KY payouts $0; per Hart, KY claim $0; Hart, KY claim-stress 15/100.
Hart, KY monthly score held, 57 (March 2026) to 57 (October 2026); Hart, KY by month: March 57, April 57, May 54, June 54 (Hart, KY), July 61, August 53, September 52, October 57.
Hart, KY components: climate 85, NFIP claims 15; Hart, KY retreat index 57.
Construction distress, Hart, KY: 4/100 as of August 2026 (Hart, KY: 2/100 one-to-four unit, 93/100 multifamily).
Hart, KY ZIPs, June 2026 (Hart, KY, 10 highest): score 0 (Hart, KY), climate 60 (Hart, KY): 42127; score 0 (Hart, KY), climate 46 (Hart, KY): 42784; score 0 (Hart, KY), climate 38 (Hart, KY): 42713, 42722, 42765; score 0 (Hart, KY), climate 36 (Hart, KY): 42749; score 0 (Hart, KY), climate 32 (Hart, KY): 42746; score 0 (Hart, KY), climate 30 (Hart, KY): 42729; score 0 (Hart, KY), climate 29 (Hart, KY): 42757; score 0 (Hart, KY), climate 15 (Hart, KY): 42782.
DLRadar rescores Hart, KY monthly; Hart, KY readings join Hart, KY foreclosure, lien and ownership parcels (Hart, KY), so cost-squeezed Hart, KY owners surface before listing.
Inside Kentucky, Hart County ranks 89th of 120 counties for home-insurance distress at 50/100; Breckinridge County (50/100) sits just above Hart County, and Owsley County (47/100) sits just below Hart County.
Deterministic. Every Hart County, KY signal traces to a public Hart dataset (FEMA, NFIP, Census for Hart, KY) · how insurance distress works in Hart, KY · methodology
FAQ: Hart County, KY insurance distress
What is the Hart County, KY home-insurance-distress score?
Hart, KY: 50/100 (MEDIUM), #1,074 of 3,222, #89 in Kentucky. FEMA hazard, Hart, KY: 74/100; NFIP stress, Hart, KY: 15/100; construction, Hart, KY: 4/100; Hart, KY rescores monthly.
Is Hart County insurance distress getting better or worse (KY)?
Hart, KY: 57 in March 2026; Hart, KY: 57 in October 2026 (unchanged); Hart, KY climate component 85; Hart, KY NFIP claims score 15.
How many flood-insurance claims has Hart County, KY had?
Hart, KY: 1 NFIP claims, three years; Hart, KY paid $0; per Hart, KY claim $0; carriers reprice Hart, KY against that record.
Which Hart County ZIP codes carry the most insurance distress (KY)?
Hart, KY, June 2026: 42127 at 0, 42784 at 0, 42713 at 0, 42722 at 0; Hart, KY climate scores there: 60, 46, 38, 38.
Why does Hart, KY insurance distress create sellers?
A Hart, KY premium outruns the Hart, KY budget; a carrier leaves Hart, KY; Hart, KY carrying cost passes plan; Hart, KY owners sell while current; Hart, KY insurance distress leads Hart, KY foreclosure data.