U.S. Home-Insurance Distress Report
As premiums surge and carriers retreat, home insurance has become a primary driver of housing distress. DLRadar scores all 3,222 U.S. counties for insurance distress on a 0-100 scale — built deterministically from FEMA hazard data, NFIP flood-claim history and carrier-pressure signals. This report ranks the most insurance-distressed counties and states in America and is refreshed monthly.
- • 639 of 3,222 U.S. counties (20%) are severely insurance-distressed (score 70+), and 1,191 are elevated or worse (45+).
- • U.S. counties logged 120,949 NFIP flood claims totaling $9.6B paid over the trailing three years — the loss history that drives premiums.
- • Florida is the most insurance-distressed state (average county score 88/100), and 10 of the 10 most-distressed counties in America are in Florida.
- • The national average county insurance-distress score is 37/100, but distress is highly concentrated along the Gulf and Southeast coasts.
The 50 most insurance-distressed counties in America
Ranked by DLRadar insurance-distress score (0-100). Click any county for its full report.
Insurance distress by state — all 51 states, most distressed first
Methodology
Each county’s insurance-distress score (0-100) is computed deterministically — the same formula in every county, with no sampling, estimation or interpolation. It combines the FEMA National Risk Index hazard profile, three years of National Flood Insurance Program (NFIP) claim frequency and payouts, federal disaster-declaration history, and a construction-cost distress component that captures rebuild-cost inflation. Higher scores mean coverage is more expensive and harder to keep — the conditions under which carriers raise premiums and decline to renew. Because every input traces to a public federal dataset, any figure in this report can be independently audited.
Coverage: 3,222 U.S. counties across 52 states and territories. Scores refresh monthly.
This data is free to reference with attribution to DLRadar and a link to this page. Suggested citation:
DLRadar, "U.S. Home-Insurance Distress Report (2026)." https://www.dlradar.com/insurance-distressJournalists and researchers: for county- or ZIP-level figures or a data extract, contact support@dlradar.com.
Insurance distress is an early forced-sale signal
DLRadar ties county-level insurance distress to parcel-level foreclosure, tax-lien and ownership data — so you can find owners whose breaking point is the insurance bill, before they list.