Oldham County, KY: Home-Insurance Distress & Forced-Sale Pressure
Oldham County, KY: 79/100 (severe) home-insurance distress; Oldham, KY band MEDIUM; Oldham, KY #380 of 3,222 counties; Oldham, KY #28 of 120 in Kentucky.
FEMA hazard, Oldham, KY: 68/100; Oldham, KY declarations, three years: 10; Oldham, KY perils: 8 severe-storm; Oldham, KY five-year count 15 (severity 28.5); Oldham, KY ten-year 15; hazard-weighted, Oldham, KY: 8.0.
Declared incidents on the Oldham, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Oldham, KY); 2024 Severe Storm 3 (Oldham, KY).
NFIP claims, Oldham, KY, three years: 154; Oldham, KY payouts $8,003,651; per Oldham, KY claim $51,972; Oldham, KY claim-stress 96/100.
Oldham, KY monthly score held, 85 (March 2026) to 85 (October 2026); Oldham, KY by month: March 85, April 85, May 83, June 83 (Oldham, KY), July 90, August 81, September 80, October 85.
Oldham, KY components: climate 77, NFIP claims 96; Oldham, KY retreat index 85.
Construction distress, Oldham, KY: 66/100 as of August 2026 (Oldham, KY: 63/100 one-to-four unit, 23/100 multifamily).
Oldham, KY ZIPs, June 2026 (Oldham, KY, 11 highest): score 0 (Oldham, KY), climate 97 (Oldham, KY): 40241; score 0 (Oldham, KY), climate 88 (Oldham, KY): 40245; score 0 (Oldham, KY), climate 77 (Oldham, KY): 40059; score 0 (Oldham, KY), climate 64 (Oldham, KY): 40010, 40014, 40026, 40056, Oldham, KY 40077; score 0 (Oldham, KY), climate 61 (Oldham, KY): 40031; score 0 (Oldham, KY), climate 31 (Oldham, KY): 40068; score 0 (Oldham, KY), climate 24 (Oldham, KY): 40055.
DLRadar rescores Oldham, KY monthly; Oldham, KY readings join Oldham, KY foreclosure, lien and ownership parcels (Oldham, KY), so cost-squeezed Oldham, KY owners surface before listing.
Inside Kentucky, Oldham County ranks 28th of 120 counties for home-insurance distress at 79/100; Hopkins County (80/100) sits just above Oldham County, and Meade County (79/100) sits just below Oldham County.
Deterministic. Every Oldham County, KY signal traces to a public Oldham dataset (FEMA, NFIP, Census for Oldham, KY) · how insurance distress works in Oldham, KY · methodology
FAQ: Oldham County, KY insurance distress
What is the Oldham County, KY home-insurance-distress score?
Oldham, KY: 79/100 (MEDIUM), #380 of 3,222, #28 in Kentucky. FEMA hazard, Oldham, KY: 68/100; NFIP stress, Oldham, KY: 96/100; construction, Oldham, KY: 66/100; Oldham, KY rescores monthly.
Is Oldham County insurance distress getting better or worse (KY)?
Oldham, KY: 85 in March 2026; Oldham, KY: 85 in October 2026 (unchanged); Oldham, KY climate component 77; Oldham, KY NFIP claims score 96.
How many flood-insurance claims has Oldham County, KY had?
Oldham, KY: 154 NFIP claims, three years; Oldham, KY paid $8,003,651; per Oldham, KY claim $51,972; carriers reprice Oldham, KY against that record.
Which Oldham County ZIP codes carry the most insurance distress (KY)?
Oldham, KY, June 2026: 40241 at 0, 40245 at 0, 40059 at 0, 40010 at 0; Oldham, KY climate scores there: 97, 88, 77, 64.
Why does Oldham, KY insurance distress create sellers?
A Oldham, KY premium outruns the Oldham, KY budget; a carrier leaves Oldham, KY; Oldham, KY carrying cost passes plan; Oldham, KY owners sell while current; Oldham, KY insurance distress leads Oldham, KY foreclosure data.