Kauai County, HI: Home-Insurance Distress & Forced-Sale Pressure

DLRadar grades Kauai County, Hawaii at 68/100 for home-insurance distress, an elevated level that places it #650 of 3,222 counties, in the upper half of U.S. counties. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.

Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 93/100 over three years; 1 flood federal disaster declaration in three years, all of which push carriers toward higher rates or non-renewal.

The 68/100 signal is only useful next to the rest: in Kauai County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.

It is the combination -- 51/100 hazard, 93/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

Monthly rebuilds keep Kauai County honest: 68/100 reflects the renewal environment carriers are pricing right now.

Over the trailing three years, Kauai County recorded 76 NFIP flood claims totaling $3,271,941 paid (about $43,052 per claim) — the loss history that pushes premiums up and coverage out.

A elevated level of 68/100 in Kauai County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

Carriers here underwrite around flood above all else, since it dominates the county three-year declaration record.

Rebuild-cost inflation compounds it: construction-distress reads 68/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.