Nelson County, KY: Home-Insurance Distress & Forced-Sale Pressure
Nelson County, KY: 74/100 (severe) home-insurance distress; Nelson, KY band MEDIUM; Nelson, KY #532 of 3,222 counties; Nelson, KY #57 of 120 in Kentucky.
FEMA hazard, Nelson, KY: 63/100; Nelson, KY declarations, three years: 8; Nelson, KY perils: 6 severe-storm; Nelson, KY five-year count 15 (severity 27.0); Nelson, KY ten-year 15; hazard-weighted, Nelson, KY: 6.0.
Declared incidents on the Nelson, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Nelson, KY); 2023 Severe Storm 3 (Nelson, KY).
NFIP claims, Nelson, KY, three years: 24; Nelson, KY payouts $1,088,173; per Nelson, KY claim $45,341; Nelson, KY claim-stress 90/100.
Nelson, KY monthly score fell, 80 (March 2026) to 79 (October 2026); Nelson, KY by month: March 80, April 80, May 77, June 77 (Nelson, KY), July 84, August 75, September 74, October 79.
Nelson, KY components: climate 72, NFIP claims 90; Nelson, KY retreat index 79.
Construction distress, Nelson, KY: 36/100 as of August 2026 (Nelson, KY: 52/100 one-to-four unit, 2/100 multifamily).
Nelson, KY ZIPs, June 2026 (Nelson, KY, 9 highest): score 0 (Nelson, KY), climate 58 (Nelson, KY): 40004, 40020, 40107; score 0 (Nelson, KY), climate 55 (Nelson, KY): 40013; score 0 (Nelson, KY), climate 52 (Nelson, KY): 40012; score 0 (Nelson, KY), climate 51 (Nelson, KY): 40008; score 0 (Nelson, KY), climate 46 (Nelson, KY): 40051; score 0 (Nelson, KY), climate 37 (Nelson, KY): 40052; score 0 (Nelson, KY), climate 34 (Nelson, KY): 40037.
DLRadar rescores Nelson, KY monthly; Nelson, KY readings join Nelson, KY foreclosure, lien and ownership parcels (Nelson, KY), so cost-squeezed Nelson, KY owners surface before listing.
Inside Kentucky, Nelson County ranks 57th of 120 counties for home-insurance distress at 74/100; Clinton County (74/100) sits just above Nelson County, and Bracken County (74/100) sits just below Nelson County.
Deterministic. Every Nelson County, KY signal traces to a public Nelson dataset (FEMA, NFIP, Census for Nelson, KY) · how insurance distress works in Nelson, KY · methodology
FAQ: Nelson County, KY insurance distress
What is the Nelson County, KY home-insurance-distress score?
Nelson, KY: 74/100 (MEDIUM), #532 of 3,222, #57 in Kentucky. FEMA hazard, Nelson, KY: 63/100; NFIP stress, Nelson, KY: 90/100; construction, Nelson, KY: 36/100; Nelson, KY rescores monthly.
Is Nelson County insurance distress getting better or worse (KY)?
Nelson, KY: 80 in March 2026; Nelson, KY: 79 in October 2026 (better); Nelson, KY climate component 72; Nelson, KY NFIP claims score 90.
How many flood-insurance claims has Nelson County, KY had?
Nelson, KY: 24 NFIP claims, three years; Nelson, KY paid $1,088,173; per Nelson, KY claim $45,341; carriers reprice Nelson, KY against that record.
Which Nelson County ZIP codes carry the most insurance distress (KY)?
Nelson, KY, June 2026: 40004 at 0, 40020 at 0, 40107 at 0, 40013 at 0; Nelson, KY climate scores there: 58, 58, 58, 55.
Why does Nelson, KY insurance distress create sellers?
A Nelson, KY premium outruns the Nelson, KY budget; a carrier leaves Nelson, KY; Nelson, KY carrying cost passes plan; Nelson, KY owners sell while current; Nelson, KY insurance distress leads Nelson, KY foreclosure data.