Denver County, CO: Home-Insurance Distress & Forced-Sale Pressure

Insurance distress in Denver County, Colorado reads low (21/100), in the lower-risk band nationally — #2067 nationally. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.

Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 63/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

A low level of 21/100 in Denver County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

It is the combination -- 0/100 hazard, 63/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

Taken with the county's foreclosure and lien record, 21/100 tells you whether Denver County owners face a coverage problem or a solvency problem — the two need different outreach.

Construction distress sits at 1/100, so the replacement cost insurers underwrite against is elevated here.

The federal flood record here -- 5 claims at roughly $792 each -- is the loss experience premiums are built on.

Denver County's 21/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #2067 position shifts between updates.

DLRadar rebuilds insurance distress nationwide each month and wires Denver County score into the parcel-level foreclosure and ownership graph. The payoff is early contact with insurance-pressured sellers, not late.