Dickinson County, IA: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Dickinson County, Iowa at 76/100 for home-insurance distress, a severe level that places it #483 of 3,222 counties, in the top tier nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
Put the 64/100 hazard reading next to 92/100 in flood-claim stress and the pattern is a county where owners exit over premiums.
Because Dickinson County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #483 national rank moves as conditions do.
NFIP paid $7,927,542 across 310 Dickinson County flood claims in three years, roughly $25,573 each; that record is what reprices coverage.
A #483 national standing means little alone; DLRadar pairs Dickinson County's coverage stress with default and ownership data before calling a parcel distressed.
For a buyer, Dickinson County at 76/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.
Rebuilding is expensive in this market -- 98/100 on construction distress -- and coverage is priced off exactly that number.
The pressure here is driven by a FEMA hazard score of 64/100; NFIP flood-claim stress of 92/100 over three years — the exposures carriers price against and increasingly decline to renew.
One model, every county, refreshed monthly from federal hazard and carrier data, tied back to individual parcels and their liens. The point is reaching those owners while carrying cost is still the problem, not after the filing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Dickinson County insurance distress — FAQ
How bad is home-insurance distress in Dickinson County, Iowa?
DLRadar grades Dickinson County at 76/100 - MEDIUM, #483 of 3,222 U.S. counties. It combines FEMA hazard (64/100), three-year NFIP flood-claim stress (92/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
How much has flood insurance paid out in Dickinson County?
The three-year federal flood ledger for Dickinson County shows 310 claims and $7,927,542 in payments.
Why do premium increases create listings in Dickinson County?
Rising or unavailable coverage in Dickinson County raises the true cost of holding a home, and once that cost crosses what an owner can carry, selling becomes the rational move - usually before foreclosure ever enters the picture. That lead time is exactly why DLRadar scores it.