Hickman County, KY: Home-Insurance Distress & Forced-Sale Pressure
Hickman County, KY: 38/100 (moderate) home-insurance distress; Hickman, KY band LOW; Hickman, KY #1,375 of 3,222 counties; Hickman, KY #108 of 120 in Kentucky; raw Hickman, KY 44.4; Hickman, KY coverage multiplier 0.85.
FEMA hazard, Hickman, KY: 74/100; Hickman, KY declarations, three years: 12; Hickman, KY perils: 10 severe-storm; Hickman, KY five-year count 21 (severity 37.5); Hickman, KY ten-year 21; hazard-weighted, Hickman, KY: 10.0.
Declared incidents on the Hickman, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Hickman, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Hickman, KY).
NFIP claims, Hickman, KY, three years: none; Hickman, KY claim-stress 0/100.
Hickman, KY monthly score held, 43 (March 2026) to 43 (October 2026); Hickman, KY by month: March 43, April 43, May 40, June 40 (Hickman, KY), July 46, August 40, September 39, October 43.
Hickman, KY components: climate 85; Hickman, KY retreat index 43; Hickman, KY climate multiplier 0.85.
Construction distress, Hickman, KY: 0/100 as of August 2026 (Hickman, KY: 0/100 one-to-four unit, 0/100 multifamily).
Hickman, KY ZIPs, June 2026 (Hickman, KY, 7 highest): score 0 (Hickman, KY), climate 72 (Hickman, KY): 42088; score 0 (Hickman, KY), climate 60 (Hickman, KY): 42085; score 0 (Hickman, KY), climate 50 (Hickman, KY): 42041; score 0 (Hickman, KY), climate 44 (Hickman, KY): 42039; score 0 (Hickman, KY), climate 32 (Hickman, KY): 42031, 42032; score 0 (Hickman, KY), climate 20 (Hickman, KY): 42021.
DLRadar rescores Hickman, KY monthly; Hickman, KY readings join Hickman, KY foreclosure, lien and ownership parcels (Hickman, KY), so cost-squeezed Hickman, KY owners surface before listing.
Inside Kentucky, Hickman County ranks 108th of 120 counties for home-insurance distress at 38/100; Edmonson County (38/100) sits just above Hickman County, and Larue County (38/100) sits just below Hickman County.
Deterministic. Every Hickman County, KY signal traces to a public Hickman dataset (FEMA, NFIP, Census for Hickman, KY) · how insurance distress works in Hickman, KY · methodology
FAQ: Hickman County, KY insurance distress
What is the Hickman County, KY home-insurance-distress score?
Hickman, KY: 38/100 (LOW), #1,375 of 3,222, #108 in Kentucky. FEMA hazard, Hickman, KY: 74/100; NFIP stress, Hickman, KY: 0/100; construction, Hickman, KY: 0/100; Hickman, KY rescores monthly.
Is Hickman County insurance distress getting better or worse (KY)?
Hickman, KY: 43 in March 2026; Hickman, KY: 43 in October 2026 (unchanged); Hickman, KY climate component 85.
Which Hickman County ZIP codes carry the most insurance distress (KY)?
Hickman, KY, June 2026: 42088 at 0, 42085 at 0, 42041 at 0, 42039 at 0; Hickman, KY climate scores there: 72, 60, 50, 44.
Why does Hickman, KY insurance distress create sellers?
A Hickman, KY premium outruns the Hickman, KY budget; a carrier leaves Hickman, KY; Hickman, KY carrying cost passes plan; Hickman, KY owners sell while current; Hickman, KY insurance distress leads Hickman, KY foreclosure data.