Morgan County, KY: Home-Insurance Distress & Forced-Sale Pressure
Morgan County, KY: 84/100 (severe) home-insurance distress; Morgan, KY band HIGH; Morgan, KY #247 of 3,222 counties; Morgan, KY #7 of 120 in Kentucky.
FEMA hazard, Morgan, KY: 84/100; Morgan, KY declarations, three years: 12; Morgan, KY perils: 2 tropical-storm, 8 severe-storm; Morgan, KY five-year count 21 (severity 37.5); Morgan, KY ten-year 21; hazard-weighted, Morgan, KY: 14.0.
Declared incidents on the Morgan, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Morgan, KY); 2024 Tropical Storm 3; 2023 Flood 3 (Morgan, KY).
NFIP claims, Morgan, KY, three years: 5; Morgan, KY payouts $339,751; per Morgan, KY claim $67,950; Morgan, KY claim-stress 84/100.
Morgan, KY monthly score held, 89 (March 2026) to 89 (October 2026); Morgan, KY by month: March 89, April 89, May 87, June 87 (Morgan, KY), July 91, August 87, September 85, October 89.
Morgan, KY components: climate 92, NFIP claims 84; Morgan, KY retreat index 89.
Construction distress, Morgan, KY: 100/100 as of August 2026 (Morgan, KY: 100/100 one-to-four unit, 0/100 multifamily).
Morgan, KY ZIPs, June 2026 (Morgan, KY, 8 highest): score 0 (Morgan, KY), climate 65 (Morgan, KY): 41219; score 0 (Morgan, KY), climate 22 (Morgan, KY): 41352, 41408, 41421, 41425, Morgan, KY 41472; score 0 (Morgan, KY), climate 18 (Morgan, KY): 41332; score 0 (Morgan, KY), climate 10 (Morgan, KY): 40387.
DLRadar rescores Morgan, KY monthly; Morgan, KY readings join Morgan, KY foreclosure, lien and ownership parcels (Morgan, KY), so cost-squeezed Morgan, KY owners surface before listing.
Inside Kentucky, Morgan County ranks 9th of 120 counties for home-insurance distress at 84/100; Johnson County (84/100) sits just above Morgan County, and Butler County (84/100) sits just below Morgan County.
Deterministic. Every Morgan County, KY signal traces to a public Morgan dataset (FEMA, NFIP, Census for Morgan, KY) · how insurance distress works in Morgan, KY · methodology
FAQ: Morgan County, KY insurance distress
What is the Morgan County, KY home-insurance-distress score?
Morgan, KY: 84/100 (HIGH), #247 of 3,222, #7 in Kentucky. FEMA hazard, Morgan, KY: 84/100; NFIP stress, Morgan, KY: 84/100; construction, Morgan, KY: 100/100; Morgan, KY rescores monthly.
Is Morgan County insurance distress getting better or worse (KY)?
Morgan, KY: 89 in March 2026; Morgan, KY: 89 in October 2026 (unchanged); Morgan, KY climate component 92; Morgan, KY NFIP claims score 84.
How many flood-insurance claims has Morgan County, KY had?
Morgan, KY: 5 NFIP claims, three years; Morgan, KY paid $339,751; per Morgan, KY claim $67,950; carriers reprice Morgan, KY against that record.
Which Morgan County ZIP codes carry the most insurance distress (KY)?
Morgan, KY, June 2026: 41219 at 0, 41352 at 0, 41408 at 0, 41421 at 0; Morgan, KY climate scores there: 65, 22, 22, 22.
Why does Morgan, KY insurance distress create sellers?
A Morgan, KY premium outruns the Morgan, KY budget; a carrier leaves Morgan, KY; Morgan, KY carrying cost passes plan; Morgan, KY owners sell while current; Morgan, KY insurance distress leads Morgan, KY foreclosure data.