Letcher County, KY: Home-Insurance Distress & Forced-Sale Pressure
Letcher County, KY: 80/100 (severe) home-insurance distress; Letcher, KY band HIGH; Letcher, KY #337 of 3,222 counties; Letcher, KY #24 of 120 in Kentucky.
FEMA hazard, Letcher, KY: 78/100; Letcher, KY declarations, three years: 10; Letcher, KY perils: 2 tropical-storm, 6 severe-storm; Letcher, KY five-year count 18 (severity 31.5); Letcher, KY ten-year 18; hazard-weighted, Letcher, KY: 12.0.
Declared incidents on the Letcher, KY record: 2026 Winter Storm 2; 2025 Severe Storm 6 (Letcher, KY); 2024 Tropical Storm 2; 2023 Flood 3 (Letcher, KY).
NFIP claims, Letcher, KY, three years: 38; Letcher, KY payouts $624,344; per Letcher, KY claim $16,430; Letcher, KY claim-stress 84/100.
Letcher, KY monthly score held, 87 (March 2026) to 87 (October 2026); Letcher, KY by month: March 87, April 87, May 85, June 85 (Letcher, KY), July 90, August 85, September 81, October 87.
Letcher, KY components: climate 88, NFIP claims 84; Letcher, KY retreat index 87.
Construction distress, Letcher, KY: 2/100 as of August 2026 (Letcher, KY: 2/100 one-to-four unit, 2/100 multifamily).
Letcher, KY ZIPs, June 2026 (Letcher, KY, 16 highest): score 0 (Letcher, KY), climate 73 (Letcher, KY): 41537; score 0 (Letcher, KY), climate 69 (Letcher, KY): 41731; score 0 (Letcher, KY), climate 61 (Letcher, KY): 40823, 40826, 40862, 41517, Letcher, KY 41804, 41810, 41812, 41815, Letcher, KY 41819, 41821, 41824, 41825, Letcher, KY 41826, 41832.
DLRadar rescores Letcher, KY monthly; Letcher, KY readings join Letcher, KY foreclosure, lien and ownership parcels (Letcher, KY), so cost-squeezed Letcher, KY owners surface before listing.
Inside Kentucky, Letcher County ranks 24th of 120 counties for home-insurance distress at 80/100; Warren County (81/100) sits just above Letcher County, and Mclean County (80/100) sits just below Letcher County.
Deterministic. Every Letcher County, KY signal traces to a public Letcher dataset (FEMA, NFIP, Census for Letcher, KY) · how insurance distress works in Letcher, KY · methodology
FAQ: Letcher County, KY insurance distress
What is the Letcher County, KY home-insurance-distress score?
Letcher, KY: 80/100 (HIGH), #337 of 3,222, #24 in Kentucky. FEMA hazard, Letcher, KY: 78/100; NFIP stress, Letcher, KY: 84/100; construction, Letcher, KY: 2/100; Letcher, KY rescores monthly.
Is Letcher County insurance distress getting better or worse (KY)?
Letcher, KY: 87 in March 2026; Letcher, KY: 87 in October 2026 (unchanged); Letcher, KY climate component 88; Letcher, KY NFIP claims score 84.
How many flood-insurance claims has Letcher County, KY had?
Letcher, KY: 38 NFIP claims, three years; Letcher, KY paid $624,344; per Letcher, KY claim $16,430; carriers reprice Letcher, KY against that record.
Which Letcher County ZIP codes carry the most insurance distress (KY)?
Letcher, KY, June 2026: 41537 at 0, 41731 at 0, 40823 at 0, 40826 at 0; Letcher, KY climate scores there: 73, 69, 61, 61.
Why does Letcher, KY insurance distress create sellers?
A Letcher, KY premium outruns the Letcher, KY budget; a carrier leaves Letcher, KY; Letcher, KY carrying cost passes plan; Letcher, KY owners sell while current; Letcher, KY insurance distress leads Letcher, KY foreclosure data.