Clinton County, IA: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Clinton County, Iowa at 26/100 for home-insurance distress, a moderate level that places it #1695 of 3,222 counties, in the lower-risk band nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
A 0/100 hazard base sitting alongside 77/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
A moderate level of 26/100 in Clinton County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
Flood losses tell the story: 31 NFIP claims and $148,849 paid out over three years, averaging $4,802 apiece -- exactly the history that hardens rates.
A 66/100 construction-distress score means repair and replacement economics are working against affordability of coverage.
DLRadar reads Clinton County's 26/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.
Clinton County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 77/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Clinton County insurance distress — FAQ
How severe is home-insurance pressure in Clinton County, Iowa?
Clinton County scores 26/100 for home-insurance distress (LOW), ranking #1695 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (0/100), NFIP flood-claim stress (77/100) and carrier pressure, updated monthly from public federal data.
What is the NFIP flood-claim history for Clinton County?
Over the trailing three years, Clinton County recorded 31 NFIP flood claims with $148,849 paid out, roughly $4,802 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why do premium increases create listings in Clinton County?
In Clinton County, a coverage bill that outruns the owner's budget - or a carrier that simply exits - can push total carrying cost past the breaking point. Those owners frequently sell ahead of any missed payment, so insurance distress works as an early, upstream read on future seller supply.