Nicholas County, KY: Home-Insurance Distress & Forced-Sale Pressure
Nicholas County, KY: 43/100 (moderate) home-insurance distress; Nicholas, KY band MEDIUM; Nicholas, KY #1,274 of 3,222 counties; Nicholas, KY #96 of 120 in Kentucky; raw Nicholas, KY 50.4; Nicholas, KY coverage multiplier 0.85.
FEMA hazard, Nicholas, KY: 84/100; Nicholas, KY declarations, three years: 12; Nicholas, KY perils: 2 tropical-storm, 8 severe-storm; Nicholas, KY five-year count 21 (severity 37.5); Nicholas, KY ten-year 21; hazard-weighted, Nicholas, KY: 14.0.
Declared incidents on the Nicholas, KY record: 2026 Winter Storm 2; 2025 Severe Storm 8 (Nicholas, KY); 2024 Tropical Storm 2; 2023 Severe Storm 3 (Nicholas, KY).
NFIP claims, Nicholas, KY, three years: none; Nicholas, KY claim-stress 0/100.
Nicholas, KY monthly score held, 47 (March 2026) to 47 (October 2026); Nicholas, KY by month: March 47, April 47, May 46, June 46 (Nicholas, KY), July 48, August 45, September 44, October 47.
Nicholas, KY components: climate 92; Nicholas, KY retreat index 47; Nicholas, KY climate multiplier 0.85.
Construction distress, Nicholas, KY: 36/100 as of August 2026 (Nicholas, KY: 26/100 one-to-four unit, 49/100 multifamily).
Nicholas, KY ZIPs, June 2026 (Nicholas, KY, 6 highest): score 0 (Nicholas, KY), climate 39 (Nicholas, KY): 40361; score 0 (Nicholas, KY), climate 32 (Nicholas, KY): 41031; score 0 (Nicholas, KY), climate 24 (Nicholas, KY): 41039; score 0 (Nicholas, KY), climate 17 (Nicholas, KY): 40311; score 0 (Nicholas, KY), climate 15 (Nicholas, KY): 40350, 40374.
DLRadar rescores Nicholas, KY monthly; Nicholas, KY readings join Nicholas, KY foreclosure, lien and ownership parcels (Nicholas, KY), so cost-squeezed Nicholas, KY owners surface before listing.
Inside Kentucky, Nicholas County ranks 96th of 120 counties for home-insurance distress at 43/100; Metcalfe County (43/100) sits just above Nicholas County, and Robertson County (43/100) sits just below Nicholas County.
Deterministic. Every Nicholas County, KY signal traces to a public Nicholas dataset (FEMA, NFIP, Census for Nicholas, KY) · how insurance distress works in Nicholas, KY · methodology
FAQ: Nicholas County, KY insurance distress
What is the Nicholas County, KY home-insurance-distress score?
Nicholas, KY: 43/100 (MEDIUM), #1,274 of 3,222, #96 in Kentucky. FEMA hazard, Nicholas, KY: 84/100; NFIP stress, Nicholas, KY: 0/100; construction, Nicholas, KY: 36/100; Nicholas, KY rescores monthly.
Is Nicholas County insurance distress getting better or worse (KY)?
Nicholas, KY: 47 in March 2026; Nicholas, KY: 47 in October 2026 (unchanged); Nicholas, KY climate component 92.
Which Nicholas County ZIP codes carry the most insurance distress (KY)?
Nicholas, KY, June 2026: 40361 at 0, 41031 at 0, 41039 at 0, 40311 at 0; Nicholas, KY climate scores there: 39, 32, 24, 17.
Why does Nicholas, KY insurance distress create sellers?
A Nicholas, KY premium outruns the Nicholas, KY budget; a carrier leaves Nicholas, KY; Nicholas, KY carrying cost passes plan; Nicholas, KY owners sell while current; Nicholas, KY insurance distress leads Nicholas, KY foreclosure data.