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

DLRadar grades Ouray County, Colorado at 26/100 for home-insurance distress, a moderate level that places it #1731 of 3,222 counties, in the lower-risk band nationally. More and more, it is the insurance bill rather than the mortgage that turns a Ouray County owner into a seller.

The pressure here is driven by a FEMA hazard score of 51/100; NFIP flood-claim stress of 0/100 over three years; 1 fire federal disaster declaration in three years — the exposures carriers price against and increasingly decline to renew.

A #1731 national standing means little alone; DLRadar pairs Ouray County's coverage stress with default and ownership data before calling a parcel distressed.

For an acquisition buyer, a moderate reading of 26/100 in Ouray County is a targeting cue: it says a meaningful slice of local owners face a coverage bill rising faster than they planned for, and some will sell rather than absorb it.

Hazard 51/100 plus flood-claim stress 0/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Ouray County.

Insurers set premiums from replacement cost, and at 16/100 that input is running hot in Ouray County.

Wildfire is the dominant declared hazard here, which shapes how carriers underwrite the county.

NFIP paid $0 across 0 Ouray County flood claims in three years, roughly $0 each; that record is what reprices coverage.

The Ouray County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.

Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. The result is early access to owners whose trigger is insurance rather than default.