Howard County, IA: Home-Insurance Distress & Forced-Sale Pressure
Howard County, IA: 21/100 (low) home-insurance distress; Howard, IA band LOW; Howard, IA #2,113 of 3,222 counties; Howard, IA #46 of 99 in Iowa; raw Howard, IA 24.1; Howard, IA coverage multiplier 0.85.
FEMA hazard, Howard, IA: 40/100; Howard, IA declarations, three years: 2; Howard, IA perils: 2 severe-storm; Howard, IA five-year count 3 (severity 4.5); Howard, IA ten-year 3; hazard-weighted, Howard, IA: 2.0.
Declared incidents on the Howard, IA record: 2024 Severe Storm 3 (Howard, IA).
NFIP claims, Howard, IA, three years: none; Howard, IA claim-stress 0/100.
Howard, IA monthly score fell, 26 (March 2026) to 23 (October 2026); Howard, IA by month: March 26, April 26, May 24, June 24 (Howard, IA), July 23, August 21, September 21, October 23.
Howard, IA components: climate 46; Howard, IA retreat index 23; Howard, IA climate multiplier 0.85.
Construction distress, Howard, IA: 90/100 as of August 2026 (Howard, IA: 90/100 one-to-four unit, 13/100 multifamily).
Howard, IA ZIPs, June 2026 (Howard, IA, 9 highest): score 0 (Howard, IA), climate 43 (Howard, IA): 52132; score 0 (Howard, IA), climate 35 (Howard, IA): 52154; score 0 (Howard, IA), climate 33 (Howard, IA): 50603; score 0 (Howard, IA), climate 31 (Howard, IA): 50466; score 0 (Howard, IA), climate 30 (Howard, IA): 52136; score 0 (Howard, IA), climate 25 (Howard, IA): 50628; score 0 (Howard, IA), climate 24 (Howard, IA): 52134, 52155, 52163.
DLRadar rescores Howard, IA monthly; Howard, IA readings join Howard, IA foreclosure, lien and ownership parcels (Howard, IA), so cost-squeezed Howard, IA owners surface before listing.
Inside Iowa, Howard County ranks 46th of 99 counties for home-insurance distress at 21/100; Hancock County (21/100) sits just above Howard County, and Iowa County (21/100) sits just below Howard County.
Deterministic. Every Howard County, IA signal traces to a public Howard dataset (FEMA, NFIP, Census for Howard, IA) · how insurance distress works in Howard, IA · methodology
FAQ: Howard County, IA insurance distress
What is the Howard County, IA home-insurance-distress score?
Howard, IA: 21/100 (LOW), #2,113 of 3,222, #46 in Iowa. FEMA hazard, Howard, IA: 40/100; NFIP stress, Howard, IA: 0/100; construction, Howard, IA: 90/100; Howard, IA rescores monthly.
Is Howard County insurance distress getting better or worse (IA)?
Howard, IA: 26 in March 2026; Howard, IA: 23 in October 2026 (better); Howard, IA climate component 46.
Which Howard County ZIP codes carry the most insurance distress (IA)?
Howard, IA, June 2026: 52132 at 0, 52154 at 0, 50603 at 0, 50466 at 0; Howard, IA climate scores there: 43, 35, 33, 31.
Why does Howard, IA insurance distress create sellers?
A Howard, IA premium outruns the Howard, IA budget; a carrier leaves Howard, IA; Howard, IA carrying cost passes plan; Howard, IA owners sell while current; Howard, IA insurance distress leads Howard, IA foreclosure data.