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

DLRadar grades Monona County, Iowa at 74/100 for home-insurance distress, a severe level that places it #511 of 3,222 counties, in the upper half of U.S. counties. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

Driving it: a FEMA hazard score of 64/100; NFIP flood-claim stress of 89/100 over three years, all of which push carriers toward higher rates or non-renewal.

Monona County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.

Rebuild-cost inflation compounds it: construction-distress reads 91/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

DLRadar reads Monona County's 74/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.

With 186 flood claims and $3,385,379 in payouts on the three-year record, Monona County gives underwriters a concrete reason to reprice or exit.

Put the 64/100 hazard reading next to 89/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

For a buyer, Monona County at 74/100 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.

The nationwide monthly build covers all 3,222 counties and connects Monona County reading to real foreclosure, tax-lien and ownership records. The point is reaching those owners while carrying cost is still the problem, not after the filing.