Union County, KY: Home-Insurance Distress & Forced-Sale Pressure
Union County, KY: 53/100 (elevated) home-insurance distress; Union, KY band MEDIUM; Union, KY #1,038 of 3,222 counties; Union, KY #87 of 120 in Kentucky.
FEMA hazard, Union, KY: 78/100; Union, KY declarations, three years: 14; Union, KY perils: 12 severe-storm; Union, KY five-year count 24 (severity 43.5); Union, KY ten-year 24; hazard-weighted, Union, KY: 12.0.
Declared incidents on the Union, KY record: 2026 Winter Storm 3; 2025 Severe Storm 15 (Union, KY); 2024 Severe Storm 3; 2023 Severe Storm 3 (Union, KY).
NFIP claims, Union, KY, three years: 1; Union, KY payouts $0; per Union, KY claim $0; Union, KY claim-stress 15/100.
Union, KY monthly score fell, 60 (March 2026) to 59 (October 2026); Union, KY by month: March 60, April 60, May 58, June 58 (Union, KY), July 63, August 57, September 54, October 59.
Union, KY components: climate 88, NFIP claims 15; Union, KY retreat index 59.
Construction distress, Union, KY: 22/100 as of August 2026 (Union, KY: 18/100 one-to-four unit, 26/100 multifamily).
Union, KY ZIPs, June 2026 (Union, KY, 5 highest): score 0 (Union, KY), climate 50 (Union, KY): 42462; score 0 (Union, KY), climate 40 (Union, KY): 42437, 42461; score 0 (Union, KY), climate 38 (Union, KY): 42459; score 0 (Union, KY), climate 31 (Union, KY): 42404.
DLRadar rescores Union, KY monthly; Union, KY readings join Union, KY foreclosure, lien and ownership parcels (Union, KY), so cost-squeezed Union, KY owners surface before listing.
Inside Kentucky, Union County ranks 87th of 120 counties for home-insurance distress at 53/100; Boone County (58/100) sits just above Union County, and Breckinridge County (50/100) sits just below Union County.
Deterministic. Every Union County, KY signal traces to a public Union dataset (FEMA, NFIP, Census for Union, KY) · how insurance distress works in Union, KY · methodology
FAQ: Union County, KY insurance distress
What is the Union County, KY home-insurance-distress score?
Union, KY: 53/100 (MEDIUM), #1,038 of 3,222, #87 in Kentucky. FEMA hazard, Union, KY: 78/100; NFIP stress, Union, KY: 15/100; construction, Union, KY: 22/100; Union, KY rescores monthly.
Is Union County insurance distress getting better or worse (KY)?
Union, KY: 60 in March 2026; Union, KY: 59 in October 2026 (better); Union, KY climate component 88; Union, KY NFIP claims score 15.
How many flood-insurance claims has Union County, KY had?
Union, KY: 1 NFIP claims, three years; Union, KY paid $0; per Union, KY claim $0; carriers reprice Union, KY against that record.
Which Union County ZIP codes carry the most insurance distress (KY)?
Union, KY, June 2026: 42462 at 0, 42437 at 0, 42461 at 0, 42459 at 0; Union, KY climate scores there: 50, 40, 40, 38.
Why does Union, KY insurance distress create sellers?
A Union, KY premium outruns the Union, KY budget; a carrier leaves Union, KY; Union, KY carrying cost passes plan; Union, KY owners sell while current; Union, KY insurance distress leads Union, KY foreclosure data.