Owen County, KY: Home-Insurance Distress & Forced-Sale Pressure
Owen County, KY: 73/100 (severe) home-insurance distress; Owen, KY band MEDIUM; Owen, KY #556 of 3,222 counties; Owen, KY #64 of 120 in Kentucky; raw Owen, KY 70.5.
FEMA hazard, Owen, KY: 63/100; Owen, KY declarations, three years: 8; Owen, KY perils: 6 severe-storm; Owen, KY five-year count 15 (severity 27.0); Owen, KY ten-year 15; hazard-weighted, Owen, KY: 6.0.
Declared incidents on the Owen, KY record: 2026 Winter Storm 3; 2025 Severe Storm 9 (Owen, KY); 2023 Severe Storm 3 (Owen, KY).
NFIP claims, Owen, KY, three years: 12; Owen, KY payouts $632,125; per Owen, KY claim $52,677; Owen, KY claim-stress 88/100.
Owen, KY monthly score fell, 79 (March 2026) to 78 (October 2026); Owen, KY by month: March 79, April 79, May 77, June 77 (Owen, KY), July 83, August 74, September 73, October 78.
Owen, KY components: climate 72, NFIP claims 88; Owen, KY retreat index 78.
Construction distress, Owen, KY: 35/100 as of August 2026 (Owen, KY: 38/100 one-to-four unit, 4/100 multifamily).
Owen, KY ZIPs, June 2026 (Owen, KY, 11 highest): score 0 (Owen, KY), climate 58 (Owen, KY): 40379; score 0 (Owen, KY), climate 21 (Owen, KY): 41010; score 0 (Owen, KY), climate 20 (Owen, KY): 41083; score 0 (Owen, KY), climate 19 (Owen, KY): 41035; score 0 (Owen, KY), climate 18 (Owen, KY): 41052, 41098; score 0 (Owen, KY), climate 17 (Owen, KY): 40355, 40359, 40363, 41046, Owen, KY 41086.
DLRadar rescores Owen, KY monthly; Owen, KY readings join Owen, KY foreclosure, lien and ownership parcels (Owen, KY), so cost-squeezed Owen, KY owners surface before listing.
Inside Kentucky, Owen County ranks 62nd of 120 counties for home-insurance distress at 73/100; Rowan County (73/100) sits just above Owen County, and Caldwell County (73/100) sits just below Owen County.
Deterministic. Every Owen County, KY signal traces to a public Owen dataset (FEMA, NFIP, Census for Owen, KY) · how insurance distress works in Owen, KY · methodology
FAQ: Owen County, KY insurance distress
What is the Owen County, KY home-insurance-distress score?
Owen, KY: 73/100 (MEDIUM), #556 of 3,222, #64 in Kentucky. FEMA hazard, Owen, KY: 63/100; NFIP stress, Owen, KY: 88/100; construction, Owen, KY: 35/100; Owen, KY rescores monthly.
Is Owen County insurance distress getting better or worse (KY)?
Owen, KY: 79 in March 2026; Owen, KY: 78 in October 2026 (better); Owen, KY climate component 72; Owen, KY NFIP claims score 88.
How many flood-insurance claims has Owen County, KY had?
Owen, KY: 12 NFIP claims, three years; Owen, KY paid $632,125; per Owen, KY claim $52,677; carriers reprice Owen, KY against that record.
Which Owen County ZIP codes carry the most insurance distress (KY)?
Owen, KY, June 2026: 40379 at 0, 41010 at 0, 41083 at 0, 41035 at 0; Owen, KY climate scores there: 58, 21, 20, 19.
Why does Owen, KY insurance distress create sellers?
A Owen, KY premium outruns the Owen, KY budget; a carrier leaves Owen, KY; Owen, KY carrying cost passes plan; Owen, KY owners sell while current; Owen, KY insurance distress leads Owen, KY foreclosure data.