ZIP 40913 housing market
Data through Jan 2026
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Expected Disaster Loss
$550
Dec 2025
What this means
- Disaster risk. FEMA expects about $550 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding. Flood isn't covered by standard homeowners insurance.
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Other ZIP codes in Bell County, KY
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Middlesboro, KY 40965 | $111K | −3.7% | 87 |
| Pineville, KY 40977 | $83K | −25.2% | 83 |
| Pathfork, KY 40856 | $72.5K | −38.9% | 38 |
| Hulen, KY 40845 | – | – | 69 |
| Pineville, KY 40902 | $63.5K | −29.5% | 75 |
| Pineville, KY 40958 | $77.2K | −30.8% | 14 |
| Helton, KY 40988 | $69.3K | −21.4% | 52 |
| Frakes, KY 40940 | – | – | 57 |
| Pineville, KY 40813 | $94.5K | −11.8% | 8 |
| Pineville, KY 40939 | – | – | 79 |