Laurel County, KY: Home-Insurance Distress & Forced-Sale Pressure
Laurel County, KY: 75/100 (severe) home-insurance distress; Laurel, KY band MEDIUM; Laurel, KY #501 of 3,222 counties; Laurel, KY #51 of 120 in Kentucky.
FEMA hazard, Laurel, KY: 74/100; Laurel, KY declarations, three years: 14; Laurel, KY perils: 10 severe-storm; Laurel, KY five-year count 21 (severity 37.5); Laurel, KY ten-year 21; hazard-weighted, Laurel, KY: 10.0.
Declared incidents on the Laurel, KY record: 2026 Winter Storm 6; 2025 Severe Storm 12 (Laurel, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Laurel, KY).
NFIP claims, Laurel, KY, three years: 1; Laurel, KY payouts $378,081; per Laurel, KY claim $378,081; Laurel, KY claim-stress 77/100.
Laurel, KY monthly score rose, 81 (March 2026) to 82 (October 2026); Laurel, KY by month: March 81, April 81, May 79, June 79 (Laurel, KY), July 85, August 78, September 76, October 82.
Laurel, KY components: climate 85, NFIP claims 77; Laurel, KY retreat index 82.
Construction distress, Laurel, KY: 98/100 as of August 2026 (Laurel, KY: 78/100 one-to-four unit, 100/100 multifamily).
Laurel, KY ZIPs, June 2026 (Laurel, KY, 8 highest): score 0 (Laurel, KY), climate 69 (Laurel, KY): 40729, 40737, 40740, 40741, Laurel, KY 40744; score 0 (Laurel, KY), climate 67 (Laurel, KY): 40734; score 0 (Laurel, KY), climate 63 (Laurel, KY): 40701; score 0 (Laurel, KY), climate 60 (Laurel, KY): 40962.
DLRadar rescores Laurel, KY monthly; Laurel, KY readings join Laurel, KY foreclosure, lien and ownership parcels (Laurel, KY), so cost-squeezed Laurel, KY owners surface before listing.
Inside Kentucky, Laurel County ranks 51st of 120 counties for home-insurance distress at 75/100; Bell County (75/100) sits just above Laurel County, and Allen County (75/100) sits just below Laurel County.
Deterministic. Every Laurel County, KY signal traces to a public Laurel dataset (FEMA, NFIP, Census for Laurel, KY) · how insurance distress works in Laurel, KY · methodology
FAQ: Laurel County, KY insurance distress
What is the Laurel County, KY home-insurance-distress score?
Laurel, KY: 75/100 (MEDIUM), #501 of 3,222, #51 in Kentucky. FEMA hazard, Laurel, KY: 74/100; NFIP stress, Laurel, KY: 77/100; construction, Laurel, KY: 98/100; Laurel, KY rescores monthly.
Is Laurel County insurance distress getting better or worse (KY)?
Laurel, KY: 81 in March 2026; Laurel, KY: 82 in October 2026 (worse); Laurel, KY climate component 85; Laurel, KY NFIP claims score 77.
How many flood-insurance claims has Laurel County, KY had?
Laurel, KY: 1 NFIP claims, three years; Laurel, KY paid $378,081; per Laurel, KY claim $378,081; carriers reprice Laurel, KY against that record.
Which Laurel County ZIP codes carry the most insurance distress (KY)?
Laurel, KY, June 2026: 40729 at 0, 40737 at 0, 40740 at 0, 40741 at 0; Laurel, KY climate scores there: 69, 69, 69, 69.
Why does Laurel, KY insurance distress create sellers?
A Laurel, KY premium outruns the Laurel, KY budget; a carrier leaves Laurel, KY; Laurel, KY carrying cost passes plan; Laurel, KY owners sell while current; Laurel, KY insurance distress leads Laurel, KY foreclosure data.