Madison County, KY: Home-Insurance Distress & Forced-Sale Pressure
Madison County, KY: 77/100 (severe) home-insurance distress; Madison, KY band MEDIUM; Madison, KY #450 of 3,222 counties; Madison, KY #42 of 120 in Kentucky.
FEMA hazard, Madison, KY: 68/100; Madison, KY declarations, three years: 10; Madison, KY perils: 8 severe-storm; Madison, KY five-year count 15 (severity 27.0); Madison, KY ten-year 15; hazard-weighted, Madison, KY: 8.0.
Declared incidents on the Madison, KY record: 2026 Winter Storm 2; 2026 Severe Storm 2 (Madison, KY); 2025 Severe Storm 6; 2023 Severe Storm 3 (Madison, KY).
NFIP claims, Madison, KY, three years: 32; Madison, KY payouts $1,195,044; per Madison, KY claim $37,345; Madison, KY claim-stress 90/100.
Madison, KY monthly score rose, 79 (March 2026) to 82 (October 2026); Madison, KY by month: March 79, April 79, May 76, June 76 (Madison, KY), July 83, August 74, September 77, October 82.
Madison, KY components: climate 77, NFIP claims 90; Madison, KY retreat index 82.
Construction distress, Madison, KY: 69/100 as of August 2026 (Madison, KY: 38/100 one-to-four unit, 100/100 multifamily).
Madison, KY ZIPs, June 2026 (Madison, KY, 5 highest): score 0 (Madison, KY), climate 76 (Madison, KY): 40385, 40404, 40475; score 0 (Madison, KY), climate 65 (Madison, KY): 40403; score 0 (Madison, KY), climate 43 (Madison, KY): 40461.
DLRadar rescores Madison, KY monthly; Madison, KY readings join Madison, KY foreclosure, lien and ownership parcels (Madison, KY), so cost-squeezed Madison, KY owners surface before listing.
Inside Kentucky, Madison County ranks 42nd of 120 counties for home-insurance distress at 77/100; Mercer County (78/100) sits just above Madison County, and Pike County (77/100) sits just below Madison County.
Deterministic. Every Madison County, KY signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, KY) · how insurance distress works in Madison, KY · methodology
FAQ: Madison County, KY insurance distress
What is the Madison County, KY home-insurance-distress score?
Madison, KY: 77/100 (MEDIUM), #450 of 3,222, #42 in Kentucky. FEMA hazard, Madison, KY: 68/100; NFIP stress, Madison, KY: 90/100; construction, Madison, KY: 69/100; Madison, KY rescores monthly.
Is Madison County insurance distress getting better or worse (KY)?
Madison, KY: 79 in March 2026; Madison, KY: 82 in October 2026 (worse); Madison, KY climate component 77; Madison, KY NFIP claims score 90.
How many flood-insurance claims has Madison County, KY had?
Madison, KY: 32 NFIP claims, three years; Madison, KY paid $1,195,044; per Madison, KY claim $37,345; carriers reprice Madison, KY against that record.
Which Madison County ZIP codes carry the most insurance distress (KY)?
Madison, KY, June 2026: 40385 at 0, 40404 at 0, 40475 at 0, 40403 at 0; Madison, KY climate scores there: 76, 76, 76, 65.
Why does Madison, KY insurance distress create sellers?
A Madison, KY premium outruns the Madison, KY budget; a carrier leaves Madison, KY; Madison, KY carrying cost passes plan; Madison, KY owners sell while current; Madison, KY insurance distress leads Madison, KY foreclosure data.