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

DLRadar grades Clayton County, Iowa at 28/100 for home-insurance distress, a moderate level that places it #1616 of 3,222 counties, in the lower-risk band nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.

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

A 18/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

Physical exposure at 0/100 and claim experience at 83/100 together mark Clayton County as a market where coverage, not the mortgage, forces the sale.

The 28/100 signal is only useful next to the rest: in Clayton 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.

In practice, Clayton County's moderate insurance-distress level (28/100, #1616 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.

With 62 flood claims and $577,347 in payouts on the three-year record, Clayton County gives underwriters a concrete reason to reprice or exit.

What lifts Clayton County's reading is a FEMA hazard score of 0/100; NFIP flood-claim stress of 83/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Clayton County's score to on-the-ground foreclosure and ownership data. That is how coverage-pressured owners surface before they reach the open market.