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

Floyd County, Iowa carries a severe home-insurance-distress reading of 72/100 — ranked #553 nationally, in the upper half of U.S. counties. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.

Behind the score sit a FEMA hazard score of 64/100; NFIP flood-claim stress of 85/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

Insurers set premiums from replacement cost, and at 17/100 that input is running hot in Floyd County.

The gap between physical hazard (64/100) and realized flood losses (85/100) is what DLRadar watches to flag insurance-driven sellers in Floyd County.

For a buyer, Floyd County at 72/100 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.

A #553 national standing means little alone; DLRadar pairs Floyd County's coverage stress with default and ownership data before calling a parcel distressed.

Over the trailing three years, Floyd County recorded 186 NFIP flood claims totaling $1,212,681 paid (about $6,520 per claim) — the loss history that pushes premiums up and coverage out.

DLRadar re-scores Floyd County every month against the latest FEMA, NFIP and carrier data, so 72/100 tracks the live market — not a snapshot frozen at some earlier point.

One model, every county, refreshed monthly from federal hazard and carrier data, tied back to individual parcels and their liens. The result is early access to owners whose trigger is insurance rather than default.