Jefferson County, KY: Home-Insurance Distress & Forced-Sale Pressure
Jefferson County, KY: 83/100 (severe) home-insurance distress; Jefferson, KY band HIGH; Jefferson, KY #274 of 3,222 counties; Jefferson, KY #13 of 120 in Kentucky.
FEMA hazard, Jefferson, KY: 74/100; Jefferson, KY declarations, three years: 12; Jefferson, KY perils: 10 severe-storm; Jefferson, KY five-year count 21 (severity 37.5); Jefferson, KY ten-year 21; hazard-weighted, Jefferson, KY: 10.0.
Declared incidents on the Jefferson, KY record: 2026 Winter Storm 2; 2025 Severe Storm 8 (Jefferson, KY); 2024 Severe Storm 2; 2023 Severe Storm 3 (Jefferson, KY).
NFIP claims, Jefferson, KY, three years: 263; Jefferson, KY payouts $13,835,039; per Jefferson, KY claim $52,605; Jefferson, KY claim-stress 96/100.
Jefferson, KY monthly score rose, 89 (March 2026) to 90 (October 2026); Jefferson, KY by month: March 89, April 89, May 86, June 86 (Jefferson, KY), July 93, August 86, September 84, October 90.
Jefferson, KY components: climate 85, NFIP claims 96; Jefferson, KY retreat index 90.
Construction distress, Jefferson, KY: 81/100 as of August 2026 (Jefferson, KY: 44/100 one-to-four unit, 99/100 multifamily).
Jefferson, KY ZIPs, June 2026 (Jefferson, KY, 16 highest): score 0 (Jefferson, KY), climate 98 (Jefferson, KY): 40025, 40041, 40118, 40202, Jefferson, KY 40203, 40204, 40205, 40206, Jefferson, KY 40207, 40208, 40209, 40210, Jefferson, KY 40211, 40212, 40213, 40214.
DLRadar rescores Jefferson, KY monthly; Jefferson, KY readings join Jefferson, KY foreclosure, lien and ownership parcels (Jefferson, KY), so cost-squeezed Jefferson, KY owners surface before listing.
Inside Kentucky, Jefferson County ranks 13th of 120 counties for home-insurance distress at 83/100; Washington County (83/100) sits just above Jefferson County, and Anderson County (82/100) sits just below Jefferson County.
Deterministic. Every Jefferson County, KY signal traces to a public Jefferson dataset (FEMA, NFIP, Census for Jefferson, KY) · how insurance distress works in Jefferson, KY · methodology
FAQ: Jefferson County, KY insurance distress
What is the Jefferson County, KY home-insurance-distress score?
Jefferson, KY: 83/100 (HIGH), #274 of 3,222, #13 in Kentucky. FEMA hazard, Jefferson, KY: 74/100; NFIP stress, Jefferson, KY: 96/100; construction, Jefferson, KY: 81/100; Jefferson, KY rescores monthly.
Is Jefferson County insurance distress getting better or worse (KY)?
Jefferson, KY: 89 in March 2026; Jefferson, KY: 90 in October 2026 (worse); Jefferson, KY climate component 85; Jefferson, KY NFIP claims score 96.
How many flood-insurance claims has Jefferson County, KY had?
Jefferson, KY: 263 NFIP claims, three years; Jefferson, KY paid $13,835,039; per Jefferson, KY claim $52,605; carriers reprice Jefferson, KY against that record.
Which Jefferson County ZIP codes carry the most insurance distress (KY)?
Jefferson, KY, June 2026: 40025 at 0, 40041 at 0, 40118 at 0, 40202 at 0; Jefferson, KY climate scores there: 98, 98, 98, 98.
Why does Jefferson, KY insurance distress create sellers?
A Jefferson, KY premium outruns the Jefferson, KY budget; a carrier leaves Jefferson, KY; Jefferson, KY carrying cost passes plan; Jefferson, KY owners sell while current; Jefferson, KY insurance distress leads Jefferson, KY foreclosure data.