Mercer County, KY: Home-Insurance Distress & Forced-Sale Pressure
Mercer County, KY: 78/100 (severe) home-insurance distress; Mercer, KY band MEDIUM; Mercer, KY #432 of 3,222 counties; Mercer, KY #41 of 120 in Kentucky; raw Mercer, KY 77.4.
FEMA hazard, Mercer, KY: 68/100; Mercer, KY declarations, three years: 10; Mercer, KY perils: 8 severe-storm; Mercer, KY five-year count 15 (severity 27.0); Mercer, KY ten-year 15; hazard-weighted, Mercer, KY: 8.0.
Declared incidents on the Mercer, KY record: 2026 Winter Storm 3; 2026 Severe Storm 3 (Mercer, KY); 2025 Severe Storm 9; 2023 Severe Storm 3 (Mercer, KY).
NFIP claims, Mercer, KY, three years: 29; Mercer, KY payouts $1,495,798; per Mercer, KY claim $51,579; Mercer, KY claim-stress 92/100.
Mercer, KY monthly score rose, 80 (March 2026) to 83 (October 2026); Mercer, KY by month: March 80, April 80, May 78, June 78 (Mercer, KY), July 85, August 75, September 79, October 83.
Mercer, KY components: climate 77, NFIP claims 92; Mercer, KY retreat index 83.
Construction distress, Mercer, KY: 53/100 as of August 2026 (Mercer, KY: 54/100 one-to-four unit, 47/100 multifamily).
Mercer, KY ZIPs, June 2026 (Mercer, KY, 5 highest): score 0 (Mercer, KY), climate 42 (Mercer, KY): 40310; score 0 (Mercer, KY), climate 41 (Mercer, KY): 40372; score 0 (Mercer, KY), climate 40 (Mercer, KY): 40468; score 0 (Mercer, KY), climate 39 (Mercer, KY): 40330; score 0 (Mercer, KY), climate 32 (Mercer, KY): 40342.
DLRadar rescores Mercer, KY monthly; Mercer, KY readings join Mercer, KY foreclosure, lien and ownership parcels (Mercer, KY), so cost-squeezed Mercer, KY owners surface before listing.
Inside Kentucky, Mercer County ranks 41st of 120 counties for home-insurance distress at 78/100; Martin County (78/100) sits just above Mercer County, and Madison County (77/100) sits just below Mercer County.
Deterministic. Every Mercer County, KY signal traces to a public Mercer dataset (FEMA, NFIP, Census for Mercer, KY) · how insurance distress works in Mercer, KY · methodology
FAQ: Mercer County, KY insurance distress
What is the Mercer County, KY home-insurance-distress score?
Mercer, KY: 78/100 (MEDIUM), #432 of 3,222, #41 in Kentucky. FEMA hazard, Mercer, KY: 68/100; NFIP stress, Mercer, KY: 92/100; construction, Mercer, KY: 53/100; Mercer, KY rescores monthly.
Is Mercer County insurance distress getting better or worse (KY)?
Mercer, KY: 80 in March 2026; Mercer, KY: 83 in October 2026 (worse); Mercer, KY climate component 77; Mercer, KY NFIP claims score 92.
How many flood-insurance claims has Mercer County, KY had?
Mercer, KY: 29 NFIP claims, three years; Mercer, KY paid $1,495,798; per Mercer, KY claim $51,579; carriers reprice Mercer, KY against that record.
Which Mercer County ZIP codes carry the most insurance distress (KY)?
Mercer, KY, June 2026: 40310 at 0, 40372 at 0, 40468 at 0, 40330 at 0; Mercer, KY climate scores there: 42, 41, 40, 39.
Why does Mercer, KY insurance distress create sellers?
A Mercer, KY premium outruns the Mercer, KY budget; a carrier leaves Mercer, KY; Mercer, KY carrying cost passes plan; Mercer, KY owners sell while current; Mercer, KY insurance distress leads Mercer, KY foreclosure data.