Pulaski County, KY: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Pulaski County, Kentucky at 75/100 for home-insurance distress, a severe level that places it #492 of 3,222 counties, in the top tier nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
2 NFIP claims, $65,613 paid in three years is the documented loss history behind coverage cost in Pulaski County.
What 75/100 means on the ground in Pulaski County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.
A 77/100 hazard base sitting alongside 72/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
DLRadar re-scores Pulaski County every month against the latest FEMA, NFIP and carrier data, so 75/100 tracks the live market — not a snapshot frozen at some earlier point.
The pressure here is driven by a FEMA hazard score of 77/100; NFIP flood-claim stress of 72/100 over three years — the exposures carriers price against and increasingly decline to renew.
Rebuilding is expensive in this market -- 19/100 on construction distress -- and coverage is priced off exactly that number.
Because coverage pressure seldom acts alone, Pulaski County's 75/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.
The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Pulaski County's score to on-the-ground foreclosure and ownership data. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Pulaski County insurance distress — FAQ
How severe is home-insurance pressure in Pulaski County, Kentucky?
On the insurance-distress measure Pulaski County comes in at 75/100, recomputed every month from federal and carrier sources.
What is Pulaski County three-year flood-claim total?
Over the trailing three years, Pulaski County recorded 2 NFIP flood claims with $65,613 paid out, roughly $32,807 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Pulaski County?
When premiums in Pulaski County rise faster than owners budgeted - or carriers stop writing policies altogether - the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.