Hopkins County, KY: Home-Insurance Distress & Forced-Sale Pressure
Hopkins County, KY: 80/100 (severe) home-insurance distress; Hopkins, KY band MEDIUM; Hopkins, KY #357 of 3,222 counties; Hopkins, KY #27 of 120 in Kentucky.
FEMA hazard, Hopkins, KY: 74/100; Hopkins, KY declarations, three years: 12; Hopkins, KY perils: 10 severe-storm; Hopkins, KY five-year count 21 (severity 37.5); Hopkins, KY ten-year 21; hazard-weighted, Hopkins, KY: 10.0.
Declared incidents on the Hopkins, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Hopkins, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Hopkins, KY).
NFIP claims, Hopkins, KY, three years: 14; Hopkins, KY payouts $750,003; per Hopkins, KY claim $53,572; Hopkins, KY claim-stress 89/100.
Hopkins, KY monthly score rose, 86 (March 2026) to 87 (October 2026); Hopkins, KY by month: March 86, April 86, May 83, June 83 (Hopkins, KY), July 90, August 83, September 81, October 87.
Hopkins, KY components: climate 85, NFIP claims 89; Hopkins, KY retreat index 87.
Construction distress, Hopkins, KY: 1/100 as of August 2026 (Hopkins, KY: 18/100 one-to-four unit, 0/100 multifamily).
Hopkins, KY ZIPs, June 2026 (Hopkins, KY, 13 highest): score 0 (Hopkins, KY), climate 71 (Hopkins, KY): 42410, 42413, 42431, 42436, Hopkins, KY 42440, 42442, 42453; score 0 (Hopkins, KY), climate 69 (Hopkins, KY): 42464; score 0 (Hopkins, KY), climate 68 (Hopkins, KY): 42441; score 0 (Hopkins, KY), climate 63 (Hopkins, KY): 42408; score 0 (Hopkins, KY), climate 45 (Hopkins, KY): 42456; score 0 (Hopkins, KY), climate 43 (Hopkins, KY): 42450; score 0 (Hopkins, KY), climate 37 (Hopkins, KY): 42445.
DLRadar rescores Hopkins, KY monthly; Hopkins, KY readings join Hopkins, KY foreclosure, lien and ownership parcels (Hopkins, KY), so cost-squeezed Hopkins, KY owners surface before listing.
Inside Kentucky, Hopkins County ranks 27th of 120 counties for home-insurance distress at 80/100; Carter County (80/100) sits just above Hopkins County, and Oldham County (79/100) sits just below Hopkins County.
Deterministic. Every Hopkins County, KY signal traces to a public Hopkins dataset (FEMA, NFIP, Census for Hopkins, KY) · how insurance distress works in Hopkins, KY · methodology
FAQ: Hopkins County, KY insurance distress
What is the Hopkins County, KY home-insurance-distress score?
Hopkins, KY: 80/100 (MEDIUM), #357 of 3,222, #27 in Kentucky. FEMA hazard, Hopkins, KY: 74/100; NFIP stress, Hopkins, KY: 89/100; construction, Hopkins, KY: 1/100; Hopkins, KY rescores monthly.
Is Hopkins County insurance distress getting better or worse (KY)?
Hopkins, KY: 86 in March 2026; Hopkins, KY: 87 in October 2026 (worse); Hopkins, KY climate component 85; Hopkins, KY NFIP claims score 89.
How many flood-insurance claims has Hopkins County, KY had?
Hopkins, KY: 14 NFIP claims, three years; Hopkins, KY paid $750,003; per Hopkins, KY claim $53,572; carriers reprice Hopkins, KY against that record.
Which Hopkins County ZIP codes carry the most insurance distress (KY)?
Hopkins, KY, June 2026: 42410 at 0, 42413 at 0, 42431 at 0, 42436 at 0; Hopkins, KY climate scores there: 71, 71, 71, 71.
Why does Hopkins, KY insurance distress create sellers?
A Hopkins, KY premium outruns the Hopkins, KY budget; a carrier leaves Hopkins, KY; Hopkins, KY carrying cost passes plan; Hopkins, KY owners sell while current; Hopkins, KY insurance distress leads Hopkins, KY foreclosure data.