Iowa Home-Insurance Distress by County

Iowa reads below the national average for home-insurance distress — an average county score of 25/100, 32nd-highest of 52 states and territories. DLRadar tracks all 99 Iowa counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

Statewide, the pressure is driven by an average FEMA hazard score of 22/100 and average NFIP flood-claim stress of 33/100 — the exposures carriers price against and increasingly decline to renew, and why Iowa premiums climb faster than incomes.

The takeaway for Iowa is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

NFIP paid $461,798,088 across 8,935 Iowa flood claims in three years; that ledger is what reprices coverage statewide.

DLRadar treats the Iowa insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

What Iowa's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two Iowa counties with similar weather can diverge sharply on distress.

The Iowa average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

DLRadar re-scores every Iowa county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.

Iowa has 2 counties in the severe band (70+), concentrating the state's coverage crisis.

At the top of the Iowa table sits Clay County (71/100) and Jasper County. Every Iowa county appears in the ranked table below, each linking to its own report.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces Iowa's insurance-squeezed sellers ahead of the market.