Lyon County, IA: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Lyon County, Iowa at 62/100 for home-insurance distress, an elevated level that places it #790 of 3,222 counties, in the upper half of U.S. counties. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.
The reading rests on a FEMA hazard score of 41/100; NFIP flood-claim stress of 94/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Lyon County.
The gap between physical hazard (41/100) and realized flood losses (94/100) is what DLRadar watches to flag insurance-driven sellers in Lyon County.
A elevated level of 62/100 in Lyon County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
Flood losses tell the story: 403 NFIP claims and $13,064,361 paid out over three years, averaging $32,418 apiece -- exactly the history that hardens rates.
Each month new hazard revisions and claim settlements refresh Lyon County, keeping its insurance-distress score aligned with the live market.
Taken with the county's foreclosure and lien record, 62/100 tells you whether Lyon County owners face a coverage problem or a solvency problem — the two need different outreach.
Because premiums track rebuild cost, a 50/100 construction-distress reading in Lyon County feeds straight through to what owners are quoted.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. That is how coverage-pressured owners surface before they reach the open market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Lyon County insurance distress — FAQ
Is home insurance a problem for owners in Lyon County, Iowa?
DLRadar grades Lyon County at 62/100 - MEDIUM, #790 of 3,222 U.S. counties. It combines FEMA hazard (41/100), three-year NFIP flood-claim stress (94/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What does the flood-loss record look like in Lyon County?
The three-year federal flood ledger for Lyon County shows 403 claims and $13,064,361 in payments.
Why is insurance distress a leading signal in Lyon County?
Rising or unavailable coverage in Lyon 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.