Montgomery County, KY: Home-Insurance Distress & Forced-Sale Pressure
Montgomery County, KY: 38/100 (moderate) home-insurance distress; Montgomery, KY band LOW; Montgomery, KY #1,380 of 3,222 counties; Montgomery, KY #113 of 120 in Kentucky; raw Montgomery, KY 44.0; Montgomery, KY coverage multiplier 0.85.
FEMA hazard, Montgomery, KY: 74/100; Montgomery, KY declarations, three years: 8; Montgomery, KY perils: 2 tropical-storm, 4 severe-storm; Montgomery, KY five-year count 12 (severity 22.5); Montgomery, KY ten-year 12; hazard-weighted, Montgomery, KY: 10.0.
Declared incidents on the Montgomery, KY record: 2026 Winter Storm 3; 2025 Severe Storm 6 (Montgomery, KY); 2024 Tropical Storm 3 (Montgomery, KY).
NFIP claims, Montgomery, KY, three years: none; Montgomery, KY claim-stress 0/100.
Montgomery, KY monthly score held, 43 (March 2026) to 43 (October 2026); Montgomery, KY by month: March 43, April 43, May 40, June 40 (Montgomery, KY), July 46, August 40, September 39, October 43.
Montgomery, KY components: climate 85; Montgomery, KY retreat index 43; Montgomery, KY climate multiplier 0.85.
Construction distress, Montgomery, KY: 42/100 as of August 2026 (Montgomery, KY: 42/100 one-to-four unit, 23/100 multifamily).
Montgomery, KY ZIPs, June 2026 (Montgomery, KY, 5 highest): score 0 (Montgomery, KY), climate 39 (Montgomery, KY): 40361; score 0 (Montgomery, KY), climate 36 (Montgomery, KY): 40353; score 0 (Montgomery, KY), climate 35 (Montgomery, KY): 40337; score 0 (Montgomery, KY), climate 14 (Montgomery, KY): 40360; score 0 (Montgomery, KY), climate 12 (Montgomery, KY): 40346.
DLRadar rescores Montgomery, KY monthly; Montgomery, KY readings join Montgomery, KY foreclosure, lien and ownership parcels (Montgomery, KY), so cost-squeezed Montgomery, KY owners surface before listing.
Inside Kentucky, Montgomery County ranks 113th of 120 counties for home-insurance distress at 38/100; Monroe County (38/100) sits just above Montgomery County, and Russell County (38/100) sits just below Montgomery County.
Deterministic. Every Montgomery County, KY signal traces to a public Montgomery dataset (FEMA, NFIP, Census for Montgomery, KY) · how insurance distress works in Montgomery, KY · methodology
FAQ: Montgomery County, KY insurance distress
What is the Montgomery County, KY home-insurance-distress score?
Montgomery, KY: 38/100 (LOW), #1,380 of 3,222, #113 in Kentucky. FEMA hazard, Montgomery, KY: 74/100; NFIP stress, Montgomery, KY: 0/100; construction, Montgomery, KY: 42/100; Montgomery, KY rescores monthly.
Is Montgomery County insurance distress getting better or worse (KY)?
Montgomery, KY: 43 in March 2026; Montgomery, KY: 43 in October 2026 (unchanged); Montgomery, KY climate component 85.
Which Montgomery County ZIP codes carry the most insurance distress (KY)?
Montgomery, KY, June 2026: 40361 at 0, 40353 at 0, 40337 at 0, 40360 at 0; Montgomery, KY climate scores there: 39, 36, 35, 14.
Why does Montgomery, KY insurance distress create sellers?
A Montgomery, KY premium outruns the Montgomery, KY budget; a carrier leaves Montgomery, KY; Montgomery, KY carrying cost passes plan; Montgomery, KY owners sell while current; Montgomery, KY insurance distress leads Montgomery, KY foreclosure data.