Letcher County, KY

Composite Insurance Risk Score: 48.8 / 100 (National rank: #1688)

Axis Scores

Climate Safety 70.1
Insurance Affordability 22.3
Housing Affordability 97.3
Community Resilience 5.3
Social Resilience 23.5
Housing Stability 47.0

Key Metrics

Annual Insurance Premium (state avg) $2,000
Insurance Burden (% of income) 4.79%
Price-to-Income Ratio 1.61
FEMA Risk Score (0-100) 29.8

Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in Letcher County have grown at an average annual rate of 2.84%. During the same period, the population has decreased by 6.67%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).