COUNTY REPORT KY

Bell County, Kentucky

11 ZIP codes · Avg score 82/100 · Grade B

ZipCheckup grade for Bell County: B.

This ZIP has a few items worth a quick check.

Across Bell County, ZIP-level Home Safety Scores average out to a grade in the top two bands; the page tracks 11 ZIP codes in all.

How Bell County Compares

Bell County82/100
Kentucky avg69/100
National avg73/100

How Bell County Compares

B
County Grade
82/100
Avg Safety Score
11
ZIP Codes
3
Water Systems

Bell County scores 13 points above the Kentucky state average (69/100) and 9 points above the national average (73/100).

Data: ZipCheckup Home Safety Score model 4.0.0; EPA SDWIS, UCMR 5, EPA radon zones, EPA AirData

B
County Grade
82
Avg Safety Score
11
ZIP Codes
Best ZIP: 40965 (83/100)
Lowest ZIP: 40977 (81/100)
$84K
Median Home Value
$300
Avg Remediation (0.36% of home value)

ZIP Code Risk Map

Water Quality Map: Bell County, Kentucky

Each dot represents a ZIP code. Color indicates water quality grade. Tap a dot for details.

A B C D F

Key Risk Factors

Modeled additional annual cost estimate per homeowner: $1,693, largest modeled factor: Flood

55% of homes built before 1980 (lead paint was banned for residential use in 1978)

Infrastructure Overview

1977
Median Build Year
55%
Pre-1980 Housing
45/100
Infrastructure Stress Indicator
70%
ZIPs with High Infrastructure Stress
Low
Lead Pipe Risk

Modeled area-level indicator, not a failure probability. Sources: Census ACS housing age, EPA DWINSA infrastructure needs, EPA SDWIS violations, and EPA lead indicators.

Compound Risk Breakdown

Estimated additional annual cost per homeowner: $1,693

Flood $1,343/yr
Energy Code Gap $432/yr
Wildfire $300/yr

Bar widths proportional to share of total annual risk cost. Source: compound risk model (FEMA, EPA, USGS).

Housing Age Distribution

11,681 housing units in Bell County

Pre-1940 7%
1940–1959 15%
1960–1979 33%
1980–1999 31%
2000+ 14%

Source: U.S. Census Bureau ACS B25034 (Year Structure Built).

Water Safety Affordability

How much it costs to fix water issues relative to home values in Bell County

$84K
Median Home Value
$300
Est. Remediation Cost
0.4%
of Home Value
Remediation as % of home value low burden

Modeled remediation costs in Bell County can be compared with the median property value; actual costs vary by property.

Remediation includes water filtration, lead abatement, radon mitigation, and flood protection where applicable. Source: Census ACS, EPA SDWIS.

Water systems mapped to Bell County ZIP codes

3 community water systems mapped to Bell County ZIP codes; EPA may list more systems serving the county.

Systems with the most violations in Bell County

2 water systems with violations in EPA records.

All ZIP Codes in Bell County

11 ZIP codes tracked in Bell County.

# ZIP Code City Safety Score Grade Violations Home Value
1 40965 Middlesboro 83 B 1 $85K
2 40977 Pineville 81 B 5 (2 health) $84K
3 40813 Calvin — — 1 $163K
4 40845 Hulen — — 1 $99K
5 40856 Miracle — — 1 $82K
6 40902 Arjay — — 1 —
7 40913 Beverly — — 1 —
8 40939 Fourmile — — 1 —
9 40955 Ingram — — —
10 40958 Kettle Island — — 1 —
11 40988 Stoney Fork — — 1 $60K

Recommended Buyer Guides for Bell County

Nothing on this list means a problem exists in your own home: the matches are drawn from county- and ZIP-level records, so a guide shows up because of an area signal, and only testing at your tap describes a specific household.

Overview

Bell County in Kentucky covers 11 tracked ZIP records with an average Home Safety Score of B (82/100) across 2 scored records.

10 of 10 ZIP codes with a reported violation count in the available EPA record have recorded EPA violations. 2 health-based violations appear in the available health breakdown.

← Back to Kentucky Home Safety Profile

Data Sources

Reporting periods vary by source. Missing data is shown as unavailable, not as zero.

Frequently Asked Questions

Is water safe in Bell County?
Bell County receives an average Home Safety grade of B from its scored ZIP records (11 ZIP codes tracked); this is a composite index, not a tap-water test.
How many water systems serve Bell County?
We map 3 public water systems to 11 ZIP codes in our data for Bell County. EPA may list more systems serving the county, so this is not a full count.
What is the biggest environmental risk in Bell County?
In ZipCheckup's cost model, the factor with the largest estimated average annual cost in Bell County is flood. Across all modeled risk factors, the estimated average additional annual cost is $1,693 per homeowner; actual costs vary by home.
How old are homes in Bell County?
The median home build year in Bell County is 1977. 55% of homes were built before 1980; homes built before 1978 may contain lead-based paint, and older homes may have older plumbing materials.
How does Bell County compare to Kentucky?
Bell County has an average Home Safety Score of 82/100 under model 4.0.0, which is at or above the Kentucky state average of 69/100.

How to cite this page

APA ZipCheckup. (2026). Bell County, KY: HSS 82/100; 2 Health Violations. https://zipcheckup.com/county/kentucky/bell/
BibTeX
@misc{zipcheckup-county-kentucky-bell,
  author = {{ZipCheckup}},
  title  = {{Bell County, KY: HSS 82/100; 2 Health Violations}},
  year   = {2026},
  url    = {https://zipcheckup.com/county/kentucky/bell/}
}

Page version: October 2026.

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