Cherokee County, IA: Home-Insurance Distress & Forced-Sale Pressure
Cherokee County, IA: 67/100 (elevated) home-insurance distress; Cherokee, IA band MEDIUM; Cherokee, IA #718 of 3,222 counties; Cherokee, IA #3 of 99 in Iowa.
FEMA hazard, Cherokee, IA: 52/100; Cherokee, IA declarations, three years: 4; Cherokee, IA perils: 4 severe-storm; Cherokee, IA five-year count 6 (severity 9.0); Cherokee, IA ten-year 6; hazard-weighted, Cherokee, IA: 4.0.
Declared incidents on the Cherokee, IA record: 2024 Severe Storm 6 (Cherokee, IA).
NFIP claims, Cherokee, IA, three years: 15; Cherokee, IA payouts $736,941; per Cherokee, IA claim $49,129; Cherokee, IA claim-stress 88/100.
Cherokee, IA monthly score fell, 77 (March 2026) to 71 (October 2026); Cherokee, IA by month: March 77, April 77, May 73, June 73 (Cherokee, IA), July 71, August 70, September 70, October 71.
Cherokee, IA components: climate 60, NFIP claims 88; Cherokee, IA retreat index 71.
Construction distress, Cherokee, IA: 10/100 as of August 2026 (Cherokee, IA: 43/100 one-to-four unit, 4/100 multifamily).
Cherokee, IA ZIPs, June 2026 (Cherokee, IA, 15 highest): score 0 (Cherokee, IA), climate 61 (Cherokee, IA): 51048; score 0 (Cherokee, IA), climate 42 (Cherokee, IA): 51047; score 0 (Cherokee, IA), climate 41 (Cherokee, IA): 51002; score 0 (Cherokee, IA), climate 37 (Cherokee, IA): 51005; score 0 (Cherokee, IA), climate 36 (Cherokee, IA): 51012, 51014, 51035, 51037, Cherokee, IA 51049; score 0 (Cherokee, IA), climate 35 (Cherokee, IA): 51029; score 0 (Cherokee, IA), climate 33 (Cherokee, IA): 51061; score 0 (Cherokee, IA), climate 29 (Cherokee, IA): 51058; score 0 (Cherokee, IA), climate 28 (Cherokee, IA): 51046; score 0 (Cherokee, IA), climate 26 (Cherokee, IA): 51020; score 0 (Cherokee, IA), climate 23 (Cherokee, IA): 51025.
DLRadar rescores Cherokee, IA monthly; Cherokee, IA readings join Cherokee, IA foreclosure, lien and ownership parcels (Cherokee, IA), so cost-squeezed Cherokee, IA owners surface before listing.
Inside Iowa, Cherokee County ranks 3rd of 99 counties for home-insurance distress at 67/100; Polk County (68/100) sits just above Cherokee County, and Jasper County (67/100) sits just below Cherokee County.
Deterministic. Every Cherokee County, IA signal traces to a public Cherokee dataset (FEMA, NFIP, Census for Cherokee, IA) · how insurance distress works in Cherokee, IA · methodology
FAQ: Cherokee County, IA insurance distress
What is the Cherokee County, IA home-insurance-distress score?
Cherokee, IA: 67/100 (MEDIUM), #718 of 3,222, #3 in Iowa. FEMA hazard, Cherokee, IA: 52/100; NFIP stress, Cherokee, IA: 88/100; construction, Cherokee, IA: 10/100; Cherokee, IA rescores monthly.
Is Cherokee County insurance distress getting better or worse (IA)?
Cherokee, IA: 77 in March 2026; Cherokee, IA: 71 in October 2026 (better); Cherokee, IA climate component 60; Cherokee, IA NFIP claims score 88.
How many flood-insurance claims has Cherokee County, IA had?
Cherokee, IA: 15 NFIP claims, three years; Cherokee, IA paid $736,941; per Cherokee, IA claim $49,129; carriers reprice Cherokee, IA against that record.
Which Cherokee County ZIP codes carry the most insurance distress (IA)?
Cherokee, IA, June 2026: 51048 at 0, 51047 at 0, 51002 at 0, 51005 at 0; Cherokee, IA climate scores there: 61, 42, 41, 37.
Why does Cherokee, IA insurance distress create sellers?
A Cherokee, IA premium outruns the Cherokee, IA budget; a carrier leaves Cherokee, IA; Cherokee, IA carrying cost passes plan; Cherokee, IA owners sell while current; Cherokee, IA insurance distress leads Cherokee, IA foreclosure data.