Jessamine County, KY: Home-Insurance Distress & Forced-Sale Pressure
Jessamine County, KY: 82/100 (severe) home-insurance distress; Jessamine, KY band HIGH; Jessamine, KY #308 of 3,222 counties; Jessamine, KY #18 of 120 in Kentucky.
FEMA hazard, Jessamine, KY: 74/100; Jessamine, KY declarations, three years: 12; Jessamine, KY perils: 10 severe-storm; Jessamine, KY five-year count 18 (severity 31.5); Jessamine, KY ten-year 18; hazard-weighted, Jessamine, KY: 10.0.
Declared incidents on the Jessamine, KY record: 2026 Winter Storm 2; 2026 Severe Storm 2 (Jessamine, KY); 2025 Severe Storm 6; 2024 Severe Storm 2 (Jessamine, KY); 2023 Severe Storm 3 (Jessamine, KY).
NFIP claims, Jessamine, KY, three years: 25; Jessamine, KY payouts $1,642,842; per Jessamine, KY claim $65,714; Jessamine, KY claim-stress 93/100.
Jessamine, KY monthly score rose, 84 (March 2026) to 88 (October 2026); Jessamine, KY by month: March 84, April 84, May 82, June 82 (Jessamine, KY), July 89, August 79, September 82, October 88.
Jessamine, KY components: climate 85, NFIP claims 93; Jessamine, KY retreat index 88.
Construction distress, Jessamine, KY: 50/100 as of August 2026 (Jessamine, KY: 71/100 one-to-four unit, 1/100 multifamily).
Jessamine, KY ZIPs, June 2026 (Jessamine, KY, 5 highest): score 0 (Jessamine, KY), climate 85 (Jessamine, KY): 40515; score 0 (Jessamine, KY), climate 48 (Jessamine, KY): 40339, 40356, 40390; score 0 (Jessamine, KY), climate 43 (Jessamine, KY): 40383.
DLRadar rescores Jessamine, KY monthly; Jessamine, KY readings join Jessamine, KY foreclosure, lien and ownership parcels (Jessamine, KY), so cost-squeezed Jessamine, KY owners surface before listing.
Inside Kentucky, Jessamine County ranks 18th of 120 counties for home-insurance distress at 82/100; Clay County (82/100) sits just above Jessamine County, and Rockcastle County (81/100) sits just below Jessamine County.
Deterministic. Every Jessamine County, KY signal traces to a public Jessamine dataset (FEMA, NFIP, Census for Jessamine, KY) · how insurance distress works in Jessamine, KY · methodology
FAQ: Jessamine County, KY insurance distress
What is the Jessamine County, KY home-insurance-distress score?
Jessamine, KY: 82/100 (HIGH), #308 of 3,222, #18 in Kentucky. FEMA hazard, Jessamine, KY: 74/100; NFIP stress, Jessamine, KY: 93/100; construction, Jessamine, KY: 50/100; Jessamine, KY rescores monthly.
Is Jessamine County insurance distress getting better or worse (KY)?
Jessamine, KY: 84 in March 2026; Jessamine, KY: 88 in October 2026 (worse); Jessamine, KY climate component 85; Jessamine, KY NFIP claims score 93.
How many flood-insurance claims has Jessamine County, KY had?
Jessamine, KY: 25 NFIP claims, three years; Jessamine, KY paid $1,642,842; per Jessamine, KY claim $65,714; carriers reprice Jessamine, KY against that record.
Which Jessamine County ZIP codes carry the most insurance distress (KY)?
Jessamine, KY, June 2026: 40515 at 0, 40339 at 0, 40356 at 0, 40390 at 0; Jessamine, KY climate scores there: 85, 48, 48, 48.
Why does Jessamine, KY insurance distress create sellers?
A Jessamine, KY premium outruns the Jessamine, KY budget; a carrier leaves Jessamine, KY; Jessamine, KY carrying cost passes plan; Jessamine, KY owners sell while current; Jessamine, KY insurance distress leads Jessamine, KY foreclosure data.