Des Moines County, IA: Home-Insurance Distress & Forced-Sale Pressure
Des Moines County, Iowa carries a severe home-insurance-distress reading of 74/100 — ranked #510 nationally, in the upper half of U.S. counties. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
The 74/100 signal is only useful next to the rest: in Des Moines 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.
It is the combination -- 64/100 hazard, 90/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
The reading rests on a FEMA hazard score of 64/100; NFIP flood-claim stress of 90/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Des Moines County.
The Des Moines County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.
The federal flood record here -- 376 claims at roughly $15,002 each -- is the loss experience premiums are built on.
What 74/100 means on the ground in Des Moines County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.
Insurers set premiums from replacement cost, and at 60/100 that input is running hot in Des Moines County.
This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. 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
Des Moines County insurance distress — FAQ
What is the home-insurance-distress score for Des Moines County, Iowa?
On the insurance-distress measure Des Moines County comes in at 74/100, recomputed every month from federal and carrier sources.
How much has flood insurance paid out in Des Moines County?
Over the trailing three years, Des Moines County recorded 376 NFIP flood claims with $5,640,809 paid out, roughly $15,002 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why is insurance distress a leading signal in Des Moines County?
The sequence in Des Moines County runs premium shock, budget breach, listing -- usually with the loan still performing. That ordering is why insurance distress is treated as an upstream indicator of supply.