Floyd County, IA: Home-Insurance Distress & Forced-Sale Pressure
Floyd County, IA: 51/100 (elevated) home-insurance distress; Floyd, IA band MEDIUM; Floyd, IA #1,064 of 3,222 counties; Floyd, IA #22 of 99 in Iowa.
FEMA hazard, Floyd, IA: 40/100; Floyd, IA declarations, three years: 2; Floyd, IA perils: 2 severe-storm; Floyd, IA five-year count 3 (severity 4.5); Floyd, IA ten-year 3; hazard-weighted, Floyd, IA: 2.0.
Declared incidents on the Floyd, IA record: 2024 Severe Storm 3 (Floyd, IA).
NFIP claims, Floyd, IA, three years: 6; Floyd, IA payouts $39,119; per Floyd, IA claim $6,520; Floyd, IA claim-stress 67/100.
Floyd, IA monthly score fell, 65 (March 2026) to 55 (October 2026); Floyd, IA by month: March 65, April 65, May 62, June 62 (Floyd, IA), July 60, August 59, September 58, October 55.
Floyd, IA components: climate 46, NFIP claims 67; Floyd, IA retreat index 55.
Construction distress, Floyd, IA: 18/100 as of August 2026 (Floyd, IA: 68/100 one-to-four unit, 7/100 multifamily).
Floyd, IA ZIPs, June 2026 (Floyd, IA, 13 highest): score 0 (Floyd, IA), climate 56 (Floyd, IA): 50433, 50458; score 0 (Floyd, IA), climate 54 (Floyd, IA): 50468; score 0 (Floyd, IA), climate 49 (Floyd, IA): 50435, 50620, 50653; score 0 (Floyd, IA), climate 48 (Floyd, IA): 50471, 50616; score 0 (Floyd, IA), climate 45 (Floyd, IA): 50460; score 0 (Floyd, IA), climate 43 (Floyd, IA): 50461; score 0 (Floyd, IA), climate 42 (Floyd, IA): 50636; score 0 (Floyd, IA), climate 40 (Floyd, IA): 50658; score 0 (Floyd, IA), climate 36 (Floyd, IA): 50645.
DLRadar rescores Floyd, IA monthly; Floyd, IA readings join Floyd, IA foreclosure, lien and ownership parcels (Floyd, IA), so cost-squeezed Floyd, IA owners surface before listing.
Inside Iowa, Floyd County ranks 22nd of 99 counties for home-insurance distress at 51/100; Muscatine County (51/100) sits just above Floyd County, and Emmet County (51/100) sits just below Floyd County.
Deterministic. Every Floyd County, IA signal traces to a public Floyd dataset (FEMA, NFIP, Census for Floyd, IA) · how insurance distress works in Floyd, IA · methodology
FAQ: Floyd County, IA insurance distress
What is the Floyd County, IA home-insurance-distress score?
Floyd, IA: 51/100 (MEDIUM), #1,064 of 3,222, #22 in Iowa. FEMA hazard, Floyd, IA: 40/100; NFIP stress, Floyd, IA: 67/100; construction, Floyd, IA: 18/100; Floyd, IA rescores monthly.
Is Floyd County insurance distress getting better or worse (IA)?
Floyd, IA: 65 in March 2026; Floyd, IA: 55 in October 2026 (better); Floyd, IA climate component 46; Floyd, IA NFIP claims score 67.
How many flood-insurance claims has Floyd County, IA had?
Floyd, IA: 6 NFIP claims, three years; Floyd, IA paid $39,119; per Floyd, IA claim $6,520; carriers reprice Floyd, IA against that record.
Which Floyd County ZIP codes carry the most insurance distress (IA)?
Floyd, IA, June 2026: 50433 at 0, 50458 at 0, 50468 at 0, 50435 at 0; Floyd, IA climate scores there: 56, 56, 54, 49.
Why does Floyd, IA insurance distress create sellers?
A Floyd, IA premium outruns the Floyd, IA budget; a carrier leaves Floyd, IA; Floyd, IA carrying cost passes plan; Floyd, IA owners sell while current; Floyd, IA insurance distress leads Floyd, IA foreclosure data.