One report per county — 88 in Ohio — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Ohio distress hub; insurance pressure is on the Ohio home-insurance page.
88 Ohio county reports sit in this archive; Ohio opportunity phases run 64 weak, 16 early_signal, 7 watchlist; Ohio ninety-day delinquency 1.0%; 160 banks chartered in Ohio; 77,230 HUD-assisted Ohio units.
Ohio counties to open first by opportunity rank: Morgan (#241, peak_opportunity); Gallia (#740, watchlist); Carroll (#897, watchlist) in Ohio; Jackson (#920, watchlist); Noble (#964, watchlist); Perry (#992, watchlist).
Ohio insurance bands across counties: 55 low in Ohio, 26 zero, 7 medium; Ohio NFIP claims 659 in three years.
Ohio counties in the peak phase (61): Ashland, Ashtabula, Athens, Auglaize, Brown, Butler (Ohio), Champaign, Clark, Clermont, Clinton, Columbiana, Coshocton (Ohio), Crawford, Cuyahoga, Darke, Defiance, Delaware, Fairfield (Ohio), Fayette, Franklin, Fulton, Gallia, Geauga, Greene (Ohio), Guernsey, Hamilton, Hancock, Hocking, Huron, Knox (Ohio), Lake, Licking, Logan, Lorain, Lucas, Madison (Ohio), Mahoning, Marion, Medina, Mercer, Miami, Montgomery (Ohio), Morrow, Muskingum, Perry, Pickaway, Portage, Ross (Ohio), Sandusky, Scioto, Seneca, Shelby, Summit, Trumbull (Ohio), Tuscarawas, Union, Van Wert, Warren, Washington, Wayne (Ohio), Wood.
Ohio counties in the expansion phase (25): Adams, Allen, Carroll, Erie, Hardin, Harrison (Ohio), Henry, Highland, Holmes, Jackson, Jefferson, Lawrence (Ohio), Meigs, Monroe, Morgan, Noble, Ottawa, Paulding (Ohio), Pike, Preble, Putnam, Stark, Vinton, Williams (Ohio), Wyandot.
Ohio counties in the contraction phase (2): Belmont, Richland.
Ohio permitted 32,482 housing units in twelve months; 429,200 Ohio units sit vacant of 5,292,391.
Ohio counties highest on the national opportunity index: Morgan #241 (35.4/100, peak_opportunity); Gallia #740 (32.2/100, watchlist); Carroll #897 (31.6/100, watchlist) in Ohio; Jackson #920 (31.5/100, watchlist); Noble #964 (31.3/100, watchlist); Perry #992 (31.2/100, watchlist) in Ohio; Ashtabula #1,040 (31.0/100, watchlist); Muskingum #1,131 (30.7/100, watchlist); Lucas #1,413 (29.7/100, early_signal) in Ohio; Adams #1,413 (29.7/100, early_signal); Mahoning #1,550 (29.2/100, early_signal); Summit #1,550 (29.2/100, early_signal) in Ohio.
How the Ohio county reports are scored: each Ohio report reads its county's foreclosure filings, Ohio tax-lien and tax-deed records, FHA mortgage delinquency in Ohio (ninety-day rate 1.0%, December 2025), the FDIC stress of Ohio lenders (160 chartered in Ohio) and FEMA/NFIP pressure on Ohio (659 NFIP claims, three years), then scores every Ohio ZIP 0-100.
Morgan County leads Ohio on the opportunity index at #241 nationally with 11 scored ZIPs. Every Ohio report is rebuilt monthly from public records; a Ohio county whose data lapses keeps its Ohio page and says so.
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