Lincoln County, KY: Home-Insurance Distress & Forced-Sale Pressure
Lincoln County, KY: 65/100 (elevated) home-insurance distress; Lincoln, KY band MEDIUM; Lincoln, KY #791 of 3,222 counties; Lincoln, KY #82 of 120 in Kentucky.
FEMA hazard, Lincoln, KY: 63/100; Lincoln, KY declarations, three years: 8; Lincoln, KY perils: 6 severe-storm; Lincoln, KY five-year count 15 (severity 27.0); Lincoln, KY ten-year 15; hazard-weighted, Lincoln, KY: 6.0.
Declared incidents on the Lincoln, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Lincoln, KY); 2023 Severe Storm 3 (Lincoln, KY).
NFIP claims, Lincoln, KY, three years: 2; Lincoln, KY payouts $41,566; per Lincoln, KY claim $20,783; Lincoln, KY claim-stress 67/100.
Lincoln, KY monthly score fell, 71 (March 2026) to 70 (October 2026); Lincoln, KY by month: March 71, April 71, May 69, June 69 (Lincoln, KY), July 76, August 66, September 66, October 70.
Lincoln, KY components: climate 72, NFIP claims 67; Lincoln, KY retreat index 70.
Construction distress, Lincoln, KY: 49/100 as of August 2026 (Lincoln, KY: 51/100 one-to-four unit, 0/100 multifamily).
Lincoln, KY ZIPs, June 2026 (Lincoln, KY, 11 highest): score 0 (Lincoln, KY), climate 71 (Lincoln, KY): 42567; score 0 (Lincoln, KY), climate 43 (Lincoln, KY): 40440; score 0 (Lincoln, KY), climate 42 (Lincoln, KY): 40422; score 0 (Lincoln, KY), climate 32 (Lincoln, KY): 40419; score 0 (Lincoln, KY), climate 31 (Lincoln, KY): 40409, 40437, 40442; score 0 (Lincoln, KY), climate 30 (Lincoln, KY): 40448, 40484, 40489; score 0 (Lincoln, KY), climate 26 (Lincoln, KY): 40444.
DLRadar rescores Lincoln, KY monthly; Lincoln, KY readings join Lincoln, KY foreclosure, lien and ownership parcels (Lincoln, KY), so cost-squeezed Lincoln, KY owners surface before listing.
Inside Kentucky, Lincoln County ranks 82nd of 120 counties for home-insurance distress at 65/100; Muhlenberg County (66/100) sits just above Lincoln County, and Fleming County (65/100) sits just below Lincoln County.
Deterministic. Every Lincoln County, KY signal traces to a public Lincoln dataset (FEMA, NFIP, Census for Lincoln, KY) · how insurance distress works in Lincoln, KY · methodology
FAQ: Lincoln County, KY insurance distress
What is the Lincoln County, KY home-insurance-distress score?
Lincoln, KY: 65/100 (MEDIUM), #791 of 3,222, #82 in Kentucky. FEMA hazard, Lincoln, KY: 63/100; NFIP stress, Lincoln, KY: 67/100; construction, Lincoln, KY: 49/100; Lincoln, KY rescores monthly.
Is Lincoln County insurance distress getting better or worse (KY)?
Lincoln, KY: 71 in March 2026; Lincoln, KY: 70 in October 2026 (better); Lincoln, KY climate component 72; Lincoln, KY NFIP claims score 67.
How many flood-insurance claims has Lincoln County, KY had?
Lincoln, KY: 2 NFIP claims, three years; Lincoln, KY paid $41,566; per Lincoln, KY claim $20,783; carriers reprice Lincoln, KY against that record.
Which Lincoln County ZIP codes carry the most insurance distress (KY)?
Lincoln, KY, June 2026: 42567 at 0, 40440 at 0, 40422 at 0, 40419 at 0; Lincoln, KY climate scores there: 71, 43, 42, 32.
Why does Lincoln, KY insurance distress create sellers?
A Lincoln, KY premium outruns the Lincoln, KY budget; a carrier leaves Lincoln, KY; Lincoln, KY carrying cost passes plan; Lincoln, KY owners sell while current; Lincoln, KY insurance distress leads Lincoln, KY foreclosure data.