Johnson County, KY: Home-Insurance Distress & Forced-Sale Pressure
Johnson County, KY: 84/100 (severe) home-insurance distress; Johnson, KY band HIGH; Johnson, KY #238 of 3,222 counties; Johnson, KY #8 of 120 in Kentucky.
FEMA hazard, Johnson, KY: 84/100; Johnson, KY declarations, three years: 12; Johnson, KY perils: 2 tropical-storm, 8 severe-storm; Johnson, KY five-year count 24 (severity 40.5); Johnson, KY ten-year 24; hazard-weighted, Johnson, KY: 14.0.
Declared incidents on the Johnson, KY record: 2026 Winter Storm 2; 2025 Severe Storm 8 (Johnson, KY); 2024 Tropical Storm 2; 2023 Severe Storm 3 (Johnson, KY); 2023 Flood 3 (Johnson, KY).
NFIP claims, Johnson, KY, three years: 13; Johnson, KY payouts $439,144; per Johnson, KY claim $33,780; Johnson, KY claim-stress 85/100.
Johnson, KY monthly score held, 89 (March 2026) to 89 (October 2026); Johnson, KY by month: March 89, April 89, May 88, June 88 (Johnson, KY), July 91, August 87, September 85, October 89.
Johnson, KY components: climate 92, NFIP claims 85; Johnson, KY retreat index 89.
Construction distress, Johnson, KY: 7/100 as of August 2026 (Johnson, KY: 7/100 one-to-four unit, 0/100 multifamily).
Johnson, KY ZIPs, June 2026 (Johnson, KY, 16 highest): score 0 (Johnson, KY), climate 84 (Johnson, KY): 41216; score 0 (Johnson, KY), climate 72 (Johnson, KY): 41265; score 0 (Johnson, KY), climate 66 (Johnson, KY): 41204, 41222, 41226, 41234, Johnson, KY 41238, 41240, 41255, 41256, Johnson, KY 41257, 41260, 41263, 41268, Johnson, KY 41271, 41274.
DLRadar rescores Johnson, KY monthly; Johnson, KY readings join Johnson, KY foreclosure, lien and ownership parcels (Johnson, KY), so cost-squeezed Johnson, KY owners surface before listing.
Inside Kentucky, Johnson County ranks 8th of 120 counties for home-insurance distress at 84/100; Powell County (84/100) sits just above Johnson County, and Morgan County (84/100) sits just below Johnson County.
Deterministic. Every Johnson County, KY signal traces to a public Johnson dataset (FEMA, NFIP, Census for Johnson, KY) · how insurance distress works in Johnson, KY · methodology
FAQ: Johnson County, KY insurance distress
What is the Johnson County, KY home-insurance-distress score?
Johnson, KY: 84/100 (HIGH), #238 of 3,222, #8 in Kentucky. FEMA hazard, Johnson, KY: 84/100; NFIP stress, Johnson, KY: 85/100; construction, Johnson, KY: 7/100; Johnson, KY rescores monthly.
Is Johnson County insurance distress getting better or worse (KY)?
Johnson, KY: 89 in March 2026; Johnson, KY: 89 in October 2026 (unchanged); Johnson, KY climate component 92; Johnson, KY NFIP claims score 85.
How many flood-insurance claims has Johnson County, KY had?
Johnson, KY: 13 NFIP claims, three years; Johnson, KY paid $439,144; per Johnson, KY claim $33,780; carriers reprice Johnson, KY against that record.
Which Johnson County ZIP codes carry the most insurance distress (KY)?
Johnson, KY, June 2026: 41216 at 0, 41265 at 0, 41204 at 0, 41222 at 0; Johnson, KY climate scores there: 84, 72, 66, 66.
Why does Johnson, KY insurance distress create sellers?
A Johnson, KY premium outruns the Johnson, KY budget; a carrier leaves Johnson, KY; Johnson, KY carrying cost passes plan; Johnson, KY owners sell while current; Johnson, KY insurance distress leads Johnson, KY foreclosure data.