Ohio County, KY: Home-Insurance Distress & Forced-Sale Pressure
Ohio County, KY: 76/100 (severe) home-insurance distress; Ohio, KY band MEDIUM; Ohio, KY #485 of 3,222 counties; Ohio, KY #44 of 120 in Kentucky.
FEMA hazard, Ohio, KY: 78/100; Ohio, KY declarations, three years: 14; Ohio, KY perils: 12 severe-storm; Ohio, KY five-year count 21 (severity 37.5); Ohio, KY ten-year 21; hazard-weighted, Ohio, KY: 12.0.
Declared incidents on the Ohio, KY record: 2026 Winter Storm 3; 2026 Severe Storm 3 (Ohio, KY); 2025 Severe Storm 12; 2024 Severe Storm 3 (Ohio, KY); 2023 Severe Storm 3 (Ohio, KY).
NFIP claims, Ohio, KY, three years: 1; Ohio, KY payouts $99,000; per Ohio, KY claim $99,000; Ohio, KY claim-stress 72/100.
Ohio, KY monthly score rose, 80 (March 2026) to 82 (October 2026); Ohio, KY by month: March 80, April 80, May 77, June 77 (Ohio, KY), July 84, August 77, September 77, October 82.
Ohio, KY components: climate 88, NFIP claims 72; Ohio, KY retreat index 82.
Construction distress, Ohio, KY: 74/100 as of August 2026 (Ohio, KY: 5/100 one-to-four unit, 99/100 multifamily).
Ohio, KY ZIPs, June 2026 (Ohio, KY, 16 highest): score 0 (Ohio, KY), climate 86 (Ohio, KY): 42366; score 0 (Ohio, KY), climate 80 (Ohio, KY): 42376; score 0 (Ohio, KY), climate 65 (Ohio, KY): 42378; score 0 (Ohio, KY), climate 51 (Ohio, KY): 42328, 42338, 42347, 42354, Ohio, KY 42369, 42370; score 0 (Ohio, KY), climate 50 (Ohio, KY): 42349; score 0 (Ohio, KY), climate 49 (Ohio, KY): 42320, 42333, 42361; score 0 (Ohio, KY), climate 46 (Ohio, KY): 42343; score 0 (Ohio, KY), climate 43 (Ohio, KY): 42352; score 0 (Ohio, KY), climate 42 (Ohio, KY): 40119.
DLRadar rescores Ohio, KY monthly; Ohio, KY readings join Ohio, KY foreclosure, lien and ownership parcels (Ohio, KY), so cost-squeezed Ohio, KY owners surface before listing.
Inside Kentucky, Ohio County ranks 48th of 120 counties for home-insurance distress at 76/100; Henry County (76/100) sits just above Ohio County, and Grayson County (75/100) sits just below Ohio County.
Deterministic. Every Ohio County, KY signal traces to a public Ohio dataset (FEMA, NFIP, Census for Ohio, KY) · how insurance distress works in Ohio, KY · methodology
FAQ: Ohio County, KY insurance distress
What is the Ohio County, KY home-insurance-distress score?
Ohio, KY: 76/100 (MEDIUM), #485 of 3,222, #44 in Kentucky. FEMA hazard, Ohio, KY: 78/100; NFIP stress, Ohio, KY: 72/100; construction, Ohio, KY: 74/100; Ohio, KY rescores monthly.
Is Ohio County insurance distress getting better or worse (KY)?
Ohio, KY: 80 in March 2026; Ohio, KY: 82 in October 2026 (worse); Ohio, KY climate component 88; Ohio, KY NFIP claims score 72.
How many flood-insurance claims has Ohio County, KY had?
Ohio, KY: 1 NFIP claims, three years; Ohio, KY paid $99,000; per Ohio, KY claim $99,000; carriers reprice Ohio, KY against that record.
Which Ohio County ZIP codes carry the most insurance distress (KY)?
Ohio, KY, June 2026: 42366 at 0, 42376 at 0, 42378 at 0, 42328 at 0; Ohio, KY climate scores there: 86, 80, 65, 51.
Why does Ohio, KY insurance distress create sellers?
A Ohio, KY premium outruns the Ohio, KY budget; a carrier leaves Ohio, KY; Ohio, KY carrying cost passes plan; Ohio, KY owners sell while current; Ohio, KY insurance distress leads Ohio, KY foreclosure data.