Monroe County, KY: Home-Insurance Distress & Forced-Sale Pressure
Monroe County, KY: 38/100 (moderate) home-insurance distress; Monroe, KY band LOW; Monroe, KY #1,379 of 3,222 counties; Monroe, KY #112 of 120 in Kentucky; raw Monroe, KY 44.4; Monroe, KY coverage multiplier 0.85.
FEMA hazard, Monroe, KY: 74/100; Monroe, KY declarations, three years: 14; Monroe, KY perils: 10 severe-storm; Monroe, KY five-year count 21 (severity 37.5); Monroe, KY ten-year 21; hazard-weighted, Monroe, KY: 10.0.
Declared incidents on the Monroe, KY record: 2026 Winter Storm 6; 2025 Severe Storm 12 (Monroe, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Monroe, KY).
NFIP claims, Monroe, KY, three years: none; Monroe, KY claim-stress 0/100.
Monroe, KY monthly score held, 43 (March 2026) to 43 (October 2026); Monroe, KY by month: March 43, April 43, May 40, June 40 (Monroe, KY), July 46, August 40, September 39, October 43.
Monroe, KY components: climate 85; Monroe, KY retreat index 43; Monroe, KY climate multiplier 0.85.
Construction distress, Monroe, KY: 9/100 as of August 2026 (Monroe, KY: 7/100 one-to-four unit, 13/100 multifamily).
Monroe, KY ZIPs, June 2026 (Monroe, KY, 6 highest): score 0 (Monroe, KY), climate 38 (Monroe, KY): 42133; score 0 (Monroe, KY), climate 29 (Monroe, KY): 42166; score 0 (Monroe, KY), climate 21 (Monroe, KY): 42140, 42151, 42157, 42167.
DLRadar rescores Monroe, KY monthly; Monroe, KY readings join Monroe, KY foreclosure, lien and ownership parcels (Monroe, KY), so cost-squeezed Monroe, KY owners surface before listing.
Inside Kentucky, Monroe County ranks 112th of 120 counties for home-insurance distress at 38/100; Mccreary County (38/100) sits just above Monroe County, and Montgomery County (38/100) sits just below Monroe County.
Deterministic. Every Monroe County, KY signal traces to a public Monroe dataset (FEMA, NFIP, Census for Monroe, KY) · how insurance distress works in Monroe, KY · methodology
FAQ: Monroe County, KY insurance distress
What is the Monroe County, KY home-insurance-distress score?
Monroe, KY: 38/100 (LOW), #1,379 of 3,222, #112 in Kentucky. FEMA hazard, Monroe, KY: 74/100; NFIP stress, Monroe, KY: 0/100; construction, Monroe, KY: 9/100; Monroe, KY rescores monthly.
Is Monroe County insurance distress getting better or worse (KY)?
Monroe, KY: 43 in March 2026; Monroe, KY: 43 in October 2026 (unchanged); Monroe, KY climate component 85.
Which Monroe County ZIP codes carry the most insurance distress (KY)?
Monroe, KY, June 2026: 42133 at 0, 42166 at 0, 42140 at 0, 42151 at 0; Monroe, KY climate scores there: 38, 29, 21, 21.
Why does Monroe, KY insurance distress create sellers?
A Monroe, KY premium outruns the Monroe, KY budget; a carrier leaves Monroe, KY; Monroe, KY carrying cost passes plan; Monroe, KY owners sell while current; Monroe, KY insurance distress leads Monroe, KY foreclosure data.