Metcalfe County, KY: Home-Insurance Distress & Forced-Sale Pressure
Metcalfe County, KY: 43/100 (moderate) home-insurance distress; Metcalfe, KY band MEDIUM; Metcalfe, KY #1,273 of 3,222 counties; Metcalfe, KY #95 of 120 in Kentucky; raw Metcalfe, KY 50.2; Metcalfe, KY coverage multiplier 0.85.
FEMA hazard, Metcalfe, KY: 84/100; Metcalfe, KY declarations, three years: 18; Metcalfe, KY perils: 14 severe-storm; Metcalfe, KY five-year count 24 (severity 43.5); Metcalfe, KY ten-year 24; hazard-weighted, Metcalfe, KY: 14.0.
Declared incidents on the Metcalfe, KY record: 2026 Winter Storm 6; 2026 Severe Storm 3 (Metcalfe, KY); 2025 Severe Storm 15; 2024 Severe Storm 3 (Metcalfe, KY); 2023 Severe Storm 3 (Metcalfe, KY).
NFIP claims, Metcalfe, KY, three years: none; Metcalfe, KY claim-stress 0/100.
Metcalfe, KY monthly score rose, 45 (March 2026) to 47 (October 2026); Metcalfe, KY by month: March 45, April 45, May 44, June 44 (Metcalfe, KY), July 48, August 43, September 44, October 47.
Metcalfe, KY components: climate 92; Metcalfe, KY retreat index 47; Metcalfe, KY climate multiplier 0.85.
Construction distress, Metcalfe, KY: 63/100 as of August 2026 (Metcalfe, KY: 60/100 one-to-four unit, 36/100 multifamily).
Metcalfe, KY ZIPs, June 2026 (Metcalfe, KY, 10 highest): score 0 (Metcalfe, KY), climate 36 (Metcalfe, KY): 42749; score 0 (Metcalfe, KY), climate 35 (Metcalfe, KY): 42728; score 0 (Metcalfe, KY), climate 32 (Metcalfe, KY): 42746; score 0 (Metcalfe, KY), climate 29 (Metcalfe, KY): 42166, 42715; score 0 (Metcalfe, KY), climate 23 (Metcalfe, KY): 42154; score 0 (Metcalfe, KY), climate 21 (Metcalfe, KY): 42167; score 0 (Metcalfe, KY), climate 17 (Metcalfe, KY): 42124, 42129; score 0 (Metcalfe, KY), climate 16 (Metcalfe, KY): 42214.
DLRadar rescores Metcalfe, KY monthly; Metcalfe, KY readings join Metcalfe, KY foreclosure, lien and ownership parcels (Metcalfe, KY), so cost-squeezed Metcalfe, KY owners surface before listing.
Inside Kentucky, Metcalfe County ranks 95th of 120 counties for home-insurance distress at 43/100; Lewis County (43/100) sits just above Metcalfe County, and Nicholas County (43/100) sits just below Metcalfe County.
Deterministic. Every Metcalfe County, KY signal traces to a public Metcalfe dataset (FEMA, NFIP, Census for Metcalfe, KY) · how insurance distress works in Metcalfe, KY · methodology
FAQ: Metcalfe County, KY insurance distress
What is the Metcalfe County, KY home-insurance-distress score?
Metcalfe, KY: 43/100 (MEDIUM), #1,273 of 3,222, #95 in Kentucky. FEMA hazard, Metcalfe, KY: 84/100; NFIP stress, Metcalfe, KY: 0/100; construction, Metcalfe, KY: 63/100; Metcalfe, KY rescores monthly.
Is Metcalfe County insurance distress getting better or worse (KY)?
Metcalfe, KY: 45 in March 2026; Metcalfe, KY: 47 in October 2026 (worse); Metcalfe, KY climate component 92.
Which Metcalfe County ZIP codes carry the most insurance distress (KY)?
Metcalfe, KY, June 2026: 42749 at 0, 42728 at 0, 42746 at 0, 42166 at 0; Metcalfe, KY climate scores there: 36, 35, 32, 29.
Why does Metcalfe, KY insurance distress create sellers?
A Metcalfe, KY premium outruns the Metcalfe, KY budget; a carrier leaves Metcalfe, KY; Metcalfe, KY carrying cost passes plan; Metcalfe, KY owners sell while current; Metcalfe, KY insurance distress leads Metcalfe, KY foreclosure data.