Todd County, KY: Home-Insurance Distress & Forced-Sale Pressure
Todd County, KY: 68/100 (elevated) home-insurance distress; Todd, KY band MEDIUM; Todd, KY #670 of 3,222 counties; Todd, KY #76 of 120 in Kentucky.
FEMA hazard, Todd, KY: 74/100; Todd, KY declarations, three years: 12; Todd, KY perils: 10 severe-storm; Todd, KY five-year count 21 (severity 37.5); Todd, KY ten-year 21; hazard-weighted, Todd, KY: 10.0.
Declared incidents on the Todd, KY record: 2026 Winter Storm 3; 2025 Severe Storm 12 (Todd, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Todd, KY).
NFIP claims, Todd, KY, three years: 2; Todd, KY payouts $16,025; per Todd, KY claim $8,012; Todd, KY claim-stress 60/100.
Todd, KY monthly score held, 75 (March 2026) to 75 (October 2026); Todd, KY by month: March 75, April 75, May 73, June 73 (Todd, KY), July 79, August 72, September 70, October 75.
Todd, KY components: climate 85, NFIP claims 60; Todd, KY retreat index 75.
Construction distress, Todd, KY: 36/100 as of August 2026 (Todd, KY: 38/100 one-to-four unit, 0/100 multifamily).
Todd, KY ZIPs, June 2026 (Todd, KY, 9 highest): score 0 (Todd, KY), climate 74 (Todd, KY): 42266; score 0 (Todd, KY), climate 52 (Todd, KY): 42265; score 0 (Todd, KY), climate 51 (Todd, KY): 42345; score 0 (Todd, KY), climate 43 (Todd, KY): 42256; score 0 (Todd, KY), climate 38 (Todd, KY): 42204; score 0 (Todd, KY), climate 34 (Todd, KY): 42286; score 0 (Todd, KY), climate 32 (Todd, KY): 42220, 42234, 42280.
DLRadar rescores Todd, KY monthly; Todd, KY readings join Todd, KY foreclosure, lien and ownership parcels (Todd, KY), so cost-squeezed Todd, KY owners surface before listing.
Inside Kentucky, Todd County ranks 76th of 120 counties for home-insurance distress at 68/100; Graves County (69/100) sits just above Todd County, and Casey County (68/100) sits just below Todd County.
Deterministic. Every Todd County, KY signal traces to a public Todd dataset (FEMA, NFIP, Census for Todd, KY) · how insurance distress works in Todd, KY · methodology
FAQ: Todd County, KY insurance distress
What is the Todd County, KY home-insurance-distress score?
Todd, KY: 68/100 (MEDIUM), #670 of 3,222, #76 in Kentucky. FEMA hazard, Todd, KY: 74/100; NFIP stress, Todd, KY: 60/100; construction, Todd, KY: 36/100; Todd, KY rescores monthly.
Is Todd County insurance distress getting better or worse (KY)?
Todd, KY: 75 in March 2026; Todd, KY: 75 in October 2026 (unchanged); Todd, KY climate component 85; Todd, KY NFIP claims score 60.
How many flood-insurance claims has Todd County, KY had?
Todd, KY: 2 NFIP claims, three years; Todd, KY paid $16,025; per Todd, KY claim $8,012; carriers reprice Todd, KY against that record.
Which Todd County ZIP codes carry the most insurance distress (KY)?
Todd, KY, June 2026: 42266 at 0, 42265 at 0, 42345 at 0, 42256 at 0; Todd, KY climate scores there: 74, 52, 51, 43.
Why does Todd, KY insurance distress create sellers?
A Todd, KY premium outruns the Todd, KY budget; a carrier leaves Todd, KY; Todd, KY carrying cost passes plan; Todd, KY owners sell while current; Todd, KY insurance distress leads Todd, KY foreclosure data.