Martin County, KY: Home-Insurance Distress & Forced-Sale Pressure
Martin County, KY: 78/100 (severe) home-insurance distress; Martin, KY band MEDIUM; Martin, KY #430 of 3,222 counties; Martin, KY #40 of 120 in Kentucky.
FEMA hazard, Martin, KY: 68/100; Martin, KY declarations, three years: 10; Martin, KY perils: 8 severe-storm; Martin, KY five-year count 18 (severity 33.0); Martin, KY ten-year 18; hazard-weighted, Martin, KY: 8.0.
Declared incidents on the Martin, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Martin, KY); 2023 Severe Storm 3 (Martin, KY).
NFIP claims, Martin, KY, three years: 49; Martin, KY payouts $1,988,156; per Martin, KY claim $40,575; Martin, KY claim-stress 92/100.
Martin, KY monthly score fell, 84 (March 2026) to 83 (October 2026); Martin, KY by month: March 84, April 84, May 82, June 82 (Martin, KY), July 89, August 79, September 79, October 83.
Martin, KY components: climate 77, NFIP claims 92; Martin, KY retreat index 83.
Construction distress, Martin, KY: 0/100 as of August 2026 (Martin, KY: 0/100 one-to-four unit, 0/100 multifamily).
Martin, KY ZIPs, June 2026 (Martin, KY, 9 highest): score 0 (Martin, KY), climate 85 (Martin, KY): 41514; score 0 (Martin, KY), climate 50 (Martin, KY): 41230; score 0 (Martin, KY), climate 40 (Martin, KY): 41203, 41214, 41224, 41231, Martin, KY 41250, 41262, 41267.
DLRadar rescores Martin, KY monthly; Martin, KY readings join Martin, KY foreclosure, lien and ownership parcels (Martin, KY), so cost-squeezed Martin, KY owners surface before listing.
Inside Kentucky, Martin County ranks 40th of 120 counties for home-insurance distress at 78/100; Spencer County (78/100) sits just above Martin County, and Mercer County (78/100) sits just below Martin County.
Deterministic. Every Martin County, KY signal traces to a public Martin dataset (FEMA, NFIP, Census for Martin, KY) · how insurance distress works in Martin, KY · methodology
FAQ: Martin County, KY insurance distress
What is the Martin County, KY home-insurance-distress score?
Martin, KY: 78/100 (MEDIUM), #430 of 3,222, #40 in Kentucky. FEMA hazard, Martin, KY: 68/100; NFIP stress, Martin, KY: 92/100; construction, Martin, KY: 0/100; Martin, KY rescores monthly.
Is Martin County insurance distress getting better or worse (KY)?
Martin, KY: 84 in March 2026; Martin, KY: 83 in October 2026 (better); Martin, KY climate component 77; Martin, KY NFIP claims score 92.
How many flood-insurance claims has Martin County, KY had?
Martin, KY: 49 NFIP claims, three years; Martin, KY paid $1,988,156; per Martin, KY claim $40,575; carriers reprice Martin, KY against that record.
Which Martin County ZIP codes carry the most insurance distress (KY)?
Martin, KY, June 2026: 41514 at 0, 41230 at 0, 41203 at 0, 41214 at 0; Martin, KY climate scores there: 85, 50, 40, 40.
Why does Martin, KY insurance distress create sellers?
A Martin, KY premium outruns the Martin, KY budget; a carrier leaves Martin, KY; Martin, KY carrying cost passes plan; Martin, KY owners sell while current; Martin, KY insurance distress leads Martin, KY foreclosure data.