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

Insurance distress in Harrison County, Iowa reads severe (86/100), in the top tier nationally — #197 nationally. More and more, it is the insurance bill rather than the mortgage that turns a Harrison County owner into a seller.

Behind the score sit a FEMA hazard score of 83/100; NFIP flood-claim stress of 91/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

Rebuild-cost inflation compounds it: construction-distress reads 60/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

Read as a targeting input, 86/100 puts Harrison County #197 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.

Monthly rebuilds keep Harrison County honest: 86/100 reflects the renewal environment carriers are pricing right now.

Put the 83/100 hazard reading next to 91/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

Flood losses tell the story: 31 NFIP claims and $1,519,092 paid out over three years, averaging $49,003 apiece -- exactly the history that hardens rates.

A #197 national standing means little alone; DLRadar pairs Harrison County's coverage stress with default and ownership data before calling a parcel distressed.

Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.