PHA portfolio · KY218

Cedar Creek Housing Authority

Cedar Creek and Cedar County, KY. No conversion required. Cedar Creek shows PRH on a traditional public-housing book: one authority master, 11 developments, fleet, claims, COPE, broker stewardship and the next renewal.

Sample

13 locations
11 developments
2 support sites
30 properties
9 coverage lines
10 loss records
1 city

Insured TIV

How calculated

Sum of TIV on every location in this scope — dwellings and support sites. Matches the 2026 premium-year TIV. Program TIVs are the same dollars allocated by placement, not a second total. Board Report uses this same number.

$146.3M

13 locations · same number as Board Report

Locations

How calculated

13 sites on the book: 11 developments plus 2 support sites.

11 developments + 2 support

In-force premium

How calculated

Premium on lines with status bound, master, or project. Quoted and gap premiums are excluded.

$606,600

Bound / master / project only

Indicated premium

How calculated

Premium recorded on quote or gap lines. It is not in-force and would not pay. Shown so the board can see the ask next to what is already bound.

Not recorded

Quote and gap lines — not in force

Today

MediumOn the book
13 locations · $146.3M insured TIV
11 developments + 2 support. In-force $606,600; indicated Not recorded.
RISK-CC-006MediumOn the book
Master renewal 2026-11-13 · file completeness 92%
12 of 13 required renewal tasks/exhibits are on the book.
SVC-004HighOverdue — broker action required
Broker Stewardship (owner record) · 4 complete · 5 open · 1 overdue
Bluegrass Public Entity Insurance (sample incumbent). 3 on time · 1 late · 5 owner attention · 0 blocked by owner. PRH reports the recorded process. The owner evaluates partner performance.
MediumOn the book
How the book stays current · Broker Assisted (default)
Bluegrass Public Entity Insurance is an invited contributor. Broker ~72% / owner ~18% / other partners ~6% / PRH reconciliation ~4% (illustrative; percentages vary). Broker participation makes PRH easier; it is never required. The broker can help maintain the book without owning the book.

What matters

RISK-BH-004HighNeeds confirmation
Brookside Homes — Flood structure unresolved
Flood structure unresolved for the master renewal: SFHA confirmation pending; NFIP indicated, not confirmed in force; excess none.
4 recorded facts
- SFHA confirmation pending — Brookside Homes — flood is not structured on the book until the zone is known.
- NFIP indicated — not confirmed in force — Brookside Homes — indicated, not confirmed in force. Premium not recorded. No excess.
- Excess flood none — Brookside Homes (AE (SFHA confirmation pending))
- Renewal impact — Unresolved flood structure affects the next master renewal — SFHA confirmation, whether NFIP is in force, and that no excess is on the book.
RISK-CC-005MediumOn the book
1 open claim
$18,600 incurred still open on this book.
RISK-WC-007HighNeeds confirmation
Mitigation not started — Willow Court
plumbing / water · 0% · 3 losses on the book. Status and evidence live on portfolio data readiness.
RISK-CC-008HighOn the book
Sprinkler status: Unsprinklered
24 dwellings recorded as unsprinklered. The fact is on the schedule — it is a signal, not missing data.

What next

RISK-BH-004HighNeeds confirmation
Brookside Homes — Flood structure unresolved
Flood structure unresolved for the master renewal: SFHA confirmation pending; NFIP indicated, not confirmed in force; excess none.
4 recorded facts
- SFHA confirmation pending — Brookside Homes — flood is not structured on the book until the zone is known.
- NFIP indicated — not confirmed in force — Brookside Homes — indicated, not confirmed in force. Premium not recorded. No excess.
- Excess flood none — Brookside Homes (AE (SFHA confirmation pending))
- Renewal impact — Unresolved flood structure affects the next master renewal — SFHA confirmation, whether NFIP is in force, and that no excess is on the book.
RISK-WC-007HighNeeds confirmation
Mitigation not started — Willow Court
plumbing / water · 0% · 3 losses on the book. Status and evidence live on portfolio data readiness.
SVC-004HighOverdue — broker action required
Renewal strategy meeting
Open items on the owner’s broker-relationship record: complete, overdue, or waiting on evidence — not a broker grade and not a placement by PRH.
SVC-003HighOwner verification pending
SOV review with owner
Open items on the owner’s broker-relationship record: complete, overdue, or waiting on evidence — not a broker grade and not a placement by PRH.

How the book stays current

Burden sits with the people who already have the information

Operating mode: Broker Assisted (default). Illustrative share of insurance records supplied — percentages vary.

Broker~72%
Owner~18%
Other partners~6%
PRH reconciliation~4%
System admin / exception / normalization — not originating coverage or placement.

Broker participation makes PRH easier; it is never required.

The broker can help maintain the book without owning the book.

Book contributors

Risk Watchlist

Items the book already records — not a recommendation, and not a determination.

RISK-BH-004HighNeeds confirmation
Brookside Homes — Flood structure unresolved
Flood structure unresolved for the master renewal: SFHA confirmation pending; NFIP indicated, not confirmed in force; excess none.
Flood exhibit — master renewal
4 recorded facts
- SFHA confirmation pending — Brookside Homes — flood is not structured on the book until the zone is known.
- NFIP indicated — not confirmed in force — Brookside Homes — indicated, not confirmed in force. Premium not recorded. No excess.
- Excess flood none — Brookside Homes (AE (SFHA confirmation pending))
- Renewal impact — Unresolved flood structure affects the next master renewal — SFHA confirmation, whether NFIP is in force, and that no excess is on the book.
RISK-CC-005MediumOn the book
1 open claim
$18,600 incurred still open on this book.
Loss run
RISK-WC-007HighNeeds confirmation
Mitigation not started — Willow Court
plumbing / water · 0% · 3 losses on the book. Status and evidence live on portfolio data readiness.
Mitigation workroom
RISK-CC-008HighOn the book
Sprinkler status: Unsprinklered
24 dwellings recorded as unsprinklered. The fact is on the schedule — it is a signal, not missing data.
SOV / building schedule

How the portfolio is split

Units and TIV on the traditional authority master — every AMP still ACC.

Public housing — not converted11 sites · 1096 units · $142.6M

Occupancy

Residential units by use.

Family8 developments · 852 units
Elderly / disabled2 developments · 188 units
Scattered sites1 development · 56 units

TIV by program

Every program on the portfolio.

Authority master$146.3M

Locations

Public housing · 11
Support · 2

Flood concentration

Brookside is AE — SFHA confirmation pending. NFIP indicated, not confirmed in force. Premium not recorded. No excess.

Brookside HomesAE (SFHA confirmation pending)

Authority support

Central Office$2.1M
Maintenance Yard$1.6M

Authority

Executive director: Marisol Vega
Employees / fleet: 24 · 14 vehicles
Master renewal: 2026-11-13
County: Cedar County, KY

Unconverted public housing

Still ACC, still on the authority master — no investor exhibit, no conversion closing. Replacement cost, flood and CAT still sit with the authority.

Development	AMP	Units	TIV	Flood	Status
Willow Court WC · Cedar Creek · 1962	AMP-01	168	$21.4M	X	Public housing
Maple Ridge MR · Cedar Creek · 1968	AMP-02	112	$14.8M	X	Public housing
Brookside Homes BH · Cedar Creek · 1971	AMP-03	140	$18.6M	AE (SFHA confirmation pending)	Public housing
Elm Street Walk EW · Cedar Creek · 1974	AMP-04	88	$11.2M	X	Public housing
Riverview Terrace RV · Cedar Creek · 1976	AMP-05	96	$13.8M	X	Public housing
Hilltop Gardens HG · Cedar Creek · 1979	AMP-06	128	$16.4M	X	Public housing
Meadow Lane ML · Cedar Creek · 1982	AMP-07	80	$9.8M	X	Public housing
Oak Grove Elderly OG · Cedar Creek · 1985	AMP-08	92	$12.9M	X	Public housing
Pine Hollow PH · Cedar Creek · 1991	AMP-09	72	$9.1M	X	Public housing
South Creek SC · Cedar Creek · 1994	AMP-10	64	$8.2M	X	Public housing
Scattered Sites SS · Cedar Creek · 1988	AMP-11	56	$6.4M	X	Public housing

Losses

Claims on the traditional ACC book, plus the premium history that followed the exposure.

Public housing

$203,800

Incurred

$210,600

2021 premium

$486,000

2026 premium history

How calculated

2026 premium history $606,600 = $606,600 in force. Indicated NFIP premium is not recorded.

$606,600

$606,600 in force

Traditional ACC public housing on one authority master. No RAD pipeline, no construction-to-permanent file, and no converted LP programs. The next event on the book is the master renewal.