Butler County, IA: Home-Insurance Distress & Forced-Sale Pressure

Insurance distress in Butler County, Iowa reads severe (71/100), in the upper half of U.S. counties — #592 nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

Construction distress sits at 72/100, so the replacement cost insurers underwrite against is elevated here.

A #592 national standing means little alone; DLRadar pairs Butler County's coverage stress with default and ownership data before calling a parcel distressed.

A severe level of 71/100 in Butler County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

The county's three-year flood-loss ledger — 93 claims, $314,845 paid (~$3,385/claim) — is the evidence carriers use to justify higher rates or withdrawal.

The reading rests on a FEMA hazard score of 64/100; NFIP flood-claim stress of 80/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Butler County.

Physical exposure at 64/100 and claim experience at 80/100 together mark Butler County as a market where coverage, not the mortgage, forces the sale.

Butler County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.

DLRadar rebuilds insurance distress nationwide each month and wires Butler County score into the parcel-level foreclosure and ownership graph. That surfaces the coverage-squeezed owners ahead of the market.