Kay County, OK: Home-Insurance Distress & Forced-Sale Pressure
Kay County, OK: 26/100 (moderate) home-insurance distress; Kay, OK band LOW; Kay, OK #1,861 of 3,222 counties; Kay, OK #36 of 77 in Oklahoma; raw Kay, OK 30.6; Kay, OK coverage multiplier 0.85.
FEMA hazard, Kay, OK: 0/100; Kay, OK declarations, three years: 2; Kay, OK five-year count 3 (severity 4.5); Kay, OK ten-year 3.
Declared incidents on the Kay, OK record: 2024 Tornado 2 (Kay, OK).
NFIP claims, Kay, OK, three years: 4; Kay, OK payouts $132,386; per Kay, OK claim $33,097; Kay, OK claim-stress 76/100.
Kay, OK monthly score rose, 25 (March 2026) to 26 (October 2026); Kay, OK by month: March 25, April 25, May 25, June 25 (Kay, OK), July 25, August 25, September 25, October 26.
Kay, OK components: NFIP claims 76; Kay, OK retreat index 26; Kay, OK climate multiplier 0.85.
Construction distress, Kay, OK: 54/100 as of August 2026 (Kay, OK: 55/100 one-to-four unit, 0/100 multifamily).
Kay, OK ZIPs, June 2026 (Kay, OK, 10 highest): score 0 (Kay, OK), climate 78 (Kay, OK): 74631, 74632, 74641, 74647; score 0 (Kay, OK), climate 76 (Kay, OK): 74601, 74604; score 0 (Kay, OK), climate 75 (Kay, OK): 74652; score 0 (Kay, OK), climate 74 (Kay, OK): 74653; score 0 (Kay, OK), climate 66 (Kay, OK): 74646; score 0 (Kay, OK), climate 29 (Kay, OK): 74643.
DLRadar rescores Kay, OK monthly; Kay, OK readings join Kay, OK foreclosure, lien and ownership parcels (Kay, OK), so cost-squeezed Kay, OK owners surface before listing.
Inside Oklahoma, Kay County ranks 36th of 77 counties for home-insurance distress at 26/100; Grady County (27/100) sits just above Kay County, and Okmulgee County (25/100) sits just below Kay County.
Deterministic. Every Kay County, OK signal traces to a public Kay dataset (FEMA, NFIP, Census for Kay, OK) · how insurance distress works in Kay, OK · methodology
FAQ: Kay County, OK insurance distress
What is the Kay County, OK home-insurance-distress score?
Kay, OK: 26/100 (LOW), #1,861 of 3,222, #36 in Oklahoma. FEMA hazard, Kay, OK: 0/100; NFIP stress, Kay, OK: 76/100; construction, Kay, OK: 54/100; Kay, OK rescores monthly.
Is Kay County insurance distress getting better or worse (OK)?
Kay, OK: 25 in March 2026; Kay, OK: 26 in October 2026 (worse); Kay, OK NFIP claims score 76.
How many flood-insurance claims has Kay County, OK had?
Kay, OK: 4 NFIP claims, three years; Kay, OK paid $132,386; per Kay, OK claim $33,097; carriers reprice Kay, OK against that record.
Which Kay County ZIP codes carry the most insurance distress (OK)?
Kay, OK, June 2026: 74631 at 0, 74632 at 0, 74641 at 0, 74647 at 0; Kay, OK climate scores there: 78, 78, 78, 78.
Why does Kay, OK insurance distress create sellers?
A Kay, OK premium outruns the Kay, OK budget; a carrier leaves Kay, OK; Kay, OK carrying cost passes plan; Kay, OK owners sell while current; Kay, OK insurance distress leads Kay, OK foreclosure data.