Russell County, KY: Home-Insurance Distress & Forced-Sale Pressure
Russell County, KY: 38/100 (moderate) home-insurance distress; Russell, KY band LOW; Russell, KY #1,381 of 3,222 counties; Russell, KY #114 of 120 in Kentucky; raw Russell, KY 44.0; Russell, KY coverage multiplier 0.85.
FEMA hazard, Russell, KY: 74/100; Russell, KY declarations, three years: 14; Russell, KY perils: 10 severe-storm; Russell, KY five-year count 21 (severity 37.5); Russell, KY ten-year 21; hazard-weighted, Russell, KY: 10.0.
Declared incidents on the Russell, KY record: 2026 Winter Storm 6; 2025 Severe Storm 12 (Russell, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Russell, KY).
NFIP claims, Russell, KY, three years: none; Russell, KY claim-stress 0/100.
Russell, KY monthly score held, 43 (March 2026) to 43 (October 2026); Russell, KY by month: March 43, April 43, May 40, June 40 (Russell, KY), July 46, August 40, September 39, October 43.
Russell, KY components: climate 85; Russell, KY retreat index 43; Russell, KY climate multiplier 0.85.
Construction distress, Russell, KY: 1/100 as of August 2026 (Russell, KY: 5/100 one-to-four unit, 0/100 multifamily).
Russell, KY ZIPs, June 2026 (Russell, KY, 7 highest): score 0 (Russell, KY), climate 66 (Russell, KY): 42544; score 0 (Russell, KY), climate 35 (Russell, KY): 42741; score 0 (Russell, KY), climate 32 (Russell, KY): 42528, 42565; score 0 (Russell, KY), climate 30 (Russell, KY): 42642; score 0 (Russell, KY), climate 27 (Russell, KY): 42629; score 0 (Russell, KY), climate 21 (Russell, KY): 42602.
DLRadar rescores Russell, KY monthly; Russell, KY readings join Russell, KY foreclosure, lien and ownership parcels (Russell, KY), so cost-squeezed Russell, KY owners surface before listing.
Inside Kentucky, Russell County ranks 114th of 120 counties for home-insurance distress at 38/100; Montgomery County (38/100) sits just above Russell County, and Grant County (37/100) sits just below Russell County.
Deterministic. Every Russell County, KY signal traces to a public Russell dataset (FEMA, NFIP, Census for Russell, KY) · how insurance distress works in Russell, KY · methodology
FAQ: Russell County, KY insurance distress
What is the Russell County, KY home-insurance-distress score?
Russell, KY: 38/100 (LOW), #1,381 of 3,222, #114 in Kentucky. FEMA hazard, Russell, KY: 74/100; NFIP stress, Russell, KY: 0/100; construction, Russell, KY: 1/100; Russell, KY rescores monthly.
Is Russell County insurance distress getting better or worse (KY)?
Russell, KY: 43 in March 2026; Russell, KY: 43 in October 2026 (unchanged); Russell, KY climate component 85.
Which Russell County ZIP codes carry the most insurance distress (KY)?
Russell, KY, June 2026: 42544 at 0, 42741 at 0, 42528 at 0, 42565 at 0; Russell, KY climate scores there: 66, 35, 32, 32.
Why does Russell, KY insurance distress create sellers?
A Russell, KY premium outruns the Russell, KY budget; a carrier leaves Russell, KY; Russell, KY carrying cost passes plan; Russell, KY owners sell while current; Russell, KY insurance distress leads Russell, KY foreclosure data.