Mclean County, KY: Home-Insurance Distress & Forced-Sale Pressure
Mclean County, KY: 80/100 (severe) home-insurance distress; Mclean, KY band HIGH; Mclean, KY #348 of 3,222 counties; Mclean, KY #26 of 120 in Kentucky.
FEMA hazard, Mclean, KY: 74/100; Mclean, KY declarations, three years: 12; Mclean, KY perils: 10 severe-storm; Mclean, KY five-year count 21 (severity 37.5); Mclean, KY ten-year 21; hazard-weighted, Mclean, KY: 10.0.
Declared incidents on the Mclean, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Mclean, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Mclean, KY).
NFIP claims, Mclean, KY, three years: 25; Mclean, KY payouts $986,968; per Mclean, KY claim $39,479; Mclean, KY claim-stress 89/100.
Mclean, KY monthly score rose, 86 (March 2026) to 87 (October 2026); Mclean, KY by month: March 86, April 86, May 83, June 83 (Mclean, KY), July 90, August 83, September 81, October 87.
Mclean, KY components: climate 85, NFIP claims 89; Mclean, KY retreat index 87.
Construction distress, Mclean, KY: 54/100 as of August 2026 (Mclean, KY: 44/100 one-to-four unit, 31/100 multifamily).
Mclean, KY ZIPs, June 2026 (Mclean, KY, 8 highest): score 0 (Mclean, KY), climate 87 (Mclean, KY): 42301; score 0 (Mclean, KY), climate 80 (Mclean, KY): 42376; score 0 (Mclean, KY), climate 43 (Mclean, KY): 42352; score 0 (Mclean, KY), climate 41 (Mclean, KY): 42372; score 0 (Mclean, KY), climate 37 (Mclean, KY): 42322, 42327, 42350, 42371.
DLRadar rescores Mclean, KY monthly; Mclean, KY readings join Mclean, KY foreclosure, lien and ownership parcels (Mclean, KY), so cost-squeezed Mclean, KY owners surface before listing.
Inside Kentucky, Mclean County ranks 25th of 120 counties for home-insurance distress at 80/100; Letcher County (80/100) sits just above Mclean County, and Carter County (80/100) sits just below Mclean County.
Deterministic. Every Mclean County, KY signal traces to a public Mclean dataset (FEMA, NFIP, Census for Mclean, KY) · how insurance distress works in Mclean, KY · methodology
FAQ: Mclean County, KY insurance distress
What is the Mclean County, KY home-insurance-distress score?
Mclean, KY: 80/100 (HIGH), #348 of 3,222, #26 in Kentucky. FEMA hazard, Mclean, KY: 74/100; NFIP stress, Mclean, KY: 89/100; construction, Mclean, KY: 54/100; Mclean, KY rescores monthly.
Is Mclean County insurance distress getting better or worse (KY)?
Mclean, KY: 86 in March 2026; Mclean, KY: 87 in October 2026 (worse); Mclean, KY climate component 85; Mclean, KY NFIP claims score 89.
How many flood-insurance claims has Mclean County, KY had?
Mclean, KY: 25 NFIP claims, three years; Mclean, KY paid $986,968; per Mclean, KY claim $39,479; carriers reprice Mclean, KY against that record.
Which Mclean County ZIP codes carry the most insurance distress (KY)?
Mclean, KY, June 2026: 42301 at 0, 42376 at 0, 42352 at 0, 42372 at 0; Mclean, KY climate scores there: 87, 80, 43, 41.
Why does Mclean, KY insurance distress create sellers?
A Mclean, KY premium outruns the Mclean, KY budget; a carrier leaves Mclean, KY; Mclean, KY carrying cost passes plan; Mclean, KY owners sell while current; Mclean, KY insurance distress leads Mclean, KY foreclosure data.