Scott County, KY: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Scott County, Kentucky is currently elevated — an insurance-distress score of 61/100, in the upper half of U.S. counties at #827 of the 3,222 U.S. counties DLRadar scores. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.
Because Scott County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #827 national rank moves as conditions do.
It is the combination -- 52/100 hazard, 74/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
DLRadar reads Scott County's 61/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.
Construction distress sits at 81/100, so the replacement cost insurers underwrite against is elevated here.
What lifts Scott County's reading is a FEMA hazard score of 52/100; NFIP flood-claim stress of 74/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
For a buyer, Scott County at 61/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.
NFIP paid $84,876 across 9 Scott County flood claims in three years, roughly $9,431 each; that record is what reprices coverage.
The nationwide monthly build covers all 3,222 counties and connects Scott County reading to real foreclosure, tax-lien and ownership records. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Scott County insurance distress — FAQ
Is home insurance a problem for owners in Scott County, Kentucky?
On the insurance-distress measure Scott County comes in at 61/100, recomputed every month from federal and carrier sources.
How much has flood insurance paid out in Scott County?
Scott County logged 9 NFIP flood claims over three years, $84,876 paid (about $9,431 each) - the kind of realized-loss record that reprices coverage and thins the carrier pool.
Why does DLRadar treat insurance distress as an early signal in Scott County?
When premiums in Scott 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.