Owsley County, KY: Home-Insurance Distress & Forced-Sale Pressure
Owsley County, KY: 47/100 (elevated) home-insurance distress; Owsley, KY band MEDIUM; Owsley, KY #1,161 of 3,222 counties; Owsley, KY #90 of 120 in Kentucky; raw Owsley, KY 55.6; Owsley, KY coverage multiplier 0.85.
FEMA hazard, Owsley, KY: 93/100; Owsley, KY declarations, three years: 20; Owsley, KY perils: 2 tropical-storm, 14 severe-storm; Owsley, KY five-year count 30 (severity 51.0); Owsley, KY ten-year 30; hazard-weighted, Owsley, KY: 20.0.
Declared incidents on the Owsley, KY record: 2026 Winter Storm 6; 2026 Severe Storm 3 (Owsley, KY); 2025 Severe Storm 15; 2024 Tropical Storm 3 (Owsley, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Owsley, KY); 2023 Flood 3 (Owsley, KY).
NFIP claims, Owsley, KY, three years: none; Owsley, KY claim-stress 0/100.
Owsley, KY monthly score held, 48 (March 2026) to 48 (October 2026); Owsley, KY by month: March 48, April 48, May 48, June 48 (Owsley, KY), July 49, August 47, September 48, October 48.
Owsley, KY components: climate 95; Owsley, KY retreat index 48; Owsley, KY climate multiplier 0.85.
Construction distress, Owsley, KY: 1/100 as of August 2026 (Owsley, KY: 1/100 one-to-four unit, 0/100 multifamily).
Owsley, KY ZIPs, June 2026 (Owsley, KY, 9 highest): score 0 (Owsley, KY), climate 62 (Owsley, KY): 41721; score 0 (Owsley, KY), climate 28 (Owsley, KY): 40983; score 0 (Owsley, KY), climate 21 (Owsley, KY): 40447, 40486; score 0 (Owsley, KY), climate 18 (Owsley, KY): 41314; score 0 (Owsley, KY), climate 7 (Owsley, KY): 41311; score 0 (Owsley, KY), climate 5 (Owsley, KY): 41351, 41364, 41386.
DLRadar rescores Owsley, KY monthly; Owsley, KY readings join Owsley, KY foreclosure, lien and ownership parcels (Owsley, KY), so cost-squeezed Owsley, KY owners surface before listing.
Inside Kentucky, Owsley County ranks 90th of 120 counties for home-insurance distress at 47/100; Hart County (50/100) sits just above Owsley County, and Menifee County (45/100) sits just below Owsley County.
Deterministic. Every Owsley County, KY signal traces to a public Owsley dataset (FEMA, NFIP, Census for Owsley, KY) · how insurance distress works in Owsley, KY · methodology
FAQ: Owsley County, KY insurance distress
What is the Owsley County, KY home-insurance-distress score?
Owsley, KY: 47/100 (MEDIUM), #1,161 of 3,222, #90 in Kentucky. FEMA hazard, Owsley, KY: 93/100; NFIP stress, Owsley, KY: 0/100; construction, Owsley, KY: 1/100; Owsley, KY rescores monthly.
Is Owsley County insurance distress getting better or worse (KY)?
Owsley, KY: 48 in March 2026; Owsley, KY: 48 in October 2026 (unchanged); Owsley, KY climate component 95.
Which Owsley County ZIP codes carry the most insurance distress (KY)?
Owsley, KY, June 2026: 41721 at 0, 40983 at 0, 40447 at 0, 40486 at 0; Owsley, KY climate scores there: 62, 28, 21, 21.
Why does Owsley, KY insurance distress create sellers?
A Owsley, KY premium outruns the Owsley, KY budget; a carrier leaves Owsley, KY; Owsley, KY carrying cost passes plan; Owsley, KY owners sell while current; Owsley, KY insurance distress leads Owsley, KY foreclosure data.