Lawrence County, KY: Home-Insurance Distress & Forced-Sale Pressure
Lawrence County, KY: 43/100 (moderate) home-insurance distress; Lawrence, KY band MEDIUM; Lawrence, KY #1,271 of 3,222 counties; Lawrence, KY #93 of 120 in Kentucky; raw Lawrence, KY 50.2; Lawrence, KY coverage multiplier 0.85.
FEMA hazard, Lawrence, KY: 84/100; Lawrence, KY declarations, three years: 12; Lawrence, KY perils: 2 tropical-storm, 8 severe-storm; Lawrence, KY five-year count 21 (severity 37.5); Lawrence, KY ten-year 21; hazard-weighted, Lawrence, KY: 14.0.
Declared incidents on the Lawrence, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Lawrence, KY); 2024 Tropical Storm 3; 2023 Flood 3 (Lawrence, KY).
NFIP claims, Lawrence, KY, three years: none; Lawrence, KY claim-stress 0/100.
Lawrence, KY monthly score held, 47 (March 2026) to 47 (October 2026); Lawrence, KY by month: March 47, April 47, May 46, June 46 (Lawrence, KY), July 48, August 45, September 44, October 47.
Lawrence, KY components: climate 92; Lawrence, KY retreat index 47; Lawrence, KY climate multiplier 0.85.
Construction distress, Lawrence, KY: 3/100 as of August 2026 (Lawrence, KY: 3/100 one-to-four unit, 3/100 multifamily).
Lawrence, KY ZIPs, June 2026 (Lawrence, KY, 10 highest): score 0 (Lawrence, KY), climate 68 (Lawrence, KY): 41129; score 0 (Lawrence, KY), climate 65 (Lawrence, KY): 41254; score 0 (Lawrence, KY), climate 55 (Lawrence, KY): 41232; score 0 (Lawrence, KY), climate 51 (Lawrence, KY): 41132; score 0 (Lawrence, KY), climate 50 (Lawrence, KY): 41124, 41159, 41201, 41230, Lawrence, KY 41264; score 0 (Lawrence, KY), climate 42 (Lawrence, KY): 41180.
DLRadar rescores Lawrence, KY monthly; Lawrence, KY readings join Lawrence, KY foreclosure, lien and ownership parcels (Lawrence, KY), so cost-squeezed Lawrence, KY owners surface before listing.
Inside Kentucky, Lawrence County ranks 93rd of 120 counties for home-insurance distress at 43/100; Elliott County (43/100) sits just above Lawrence County, and Lewis County (43/100) sits just below Lawrence County.
Deterministic. Every Lawrence County, KY signal traces to a public Lawrence dataset (FEMA, NFIP, Census for Lawrence, KY) · how insurance distress works in Lawrence, KY · methodology
FAQ: Lawrence County, KY insurance distress
What is the Lawrence County, KY home-insurance-distress score?
Lawrence, KY: 43/100 (MEDIUM), #1,271 of 3,222, #93 in Kentucky. FEMA hazard, Lawrence, KY: 84/100; NFIP stress, Lawrence, KY: 0/100; construction, Lawrence, KY: 3/100; Lawrence, KY rescores monthly.
Is Lawrence County insurance distress getting better or worse (KY)?
Lawrence, KY: 47 in March 2026; Lawrence, KY: 47 in October 2026 (unchanged); Lawrence, KY climate component 92.
Which Lawrence County ZIP codes carry the most insurance distress (KY)?
Lawrence, KY, June 2026: 41129 at 0, 41254 at 0, 41232 at 0, 41132 at 0; Lawrence, KY climate scores there: 68, 65, 55, 51.
Why does Lawrence, KY insurance distress create sellers?
A Lawrence, KY premium outruns the Lawrence, KY budget; a carrier leaves Lawrence, KY; Lawrence, KY carrying cost passes plan; Lawrence, KY owners sell while current; Lawrence, KY insurance distress leads Lawrence, KY foreclosure data.