O'Brien County, IA: Home-Insurance Distress & Forced-Sale Pressure
O'Brien County, IA: 54/100 (elevated) home-insurance distress; O'Brien, IA band MEDIUM; O'Brien, IA #1,026 of 3,222 counties; O'Brien, IA #19 of 99 in Iowa; raw O'Brien, IA 53.4.
FEMA hazard, O'Brien, IA: 40/100; O'Brien, IA declarations, three years: 2; O'Brien, IA perils: 2 severe-storm; O'Brien, IA five-year count 3 (severity 4.5); O'Brien, IA ten-year 3; hazard-weighted, O'Brien, IA: 2.0.
Declared incidents on the O'Brien, IA record: 2024 Severe Storm 3 (O'Brien, IA).
NFIP claims, O'Brien, IA, three years: 1; O'Brien, IA payouts $121,940; per O'Brien, IA claim $121,940; O'Brien, IA claim-stress 73/100.
O'Brien, IA monthly score fell, 69 (March 2026) to 57 (October 2026); O'Brien, IA by month: March 69, April 69, May 66, June 66 (O'Brien, IA), July 64, August 63, September 62, October 57.
O'Brien, IA components: climate 46, NFIP claims 73; O'Brien, IA retreat index 57.
Construction distress, O'Brien, IA: 84/100 as of August 2026 (O'Brien, IA: 91/100 one-to-four unit, 0/100 multifamily).
O'Brien, IA ZIPs, June 2026 (O'Brien, IA, 14 highest): score 0 (O'Brien, IA), climate 51 (O'Brien, IA): 51238; score 0 (O'Brien, IA), climate 45 (O'Brien, IA): 51201; score 0 (O'Brien, IA), climate 42 (O'Brien, IA): 51022, 51047; score 0 (O'Brien, IA), climate 35 (O'Brien, IA): 51029; score 0 (O'Brien, IA), climate 29 (O'Brien, IA): 51058; score 0 (O'Brien, IA), climate 28 (O'Brien, IA): 51009, 51046, 51231, 51245; score 0 (O'Brien, IA), climate 27 (O'Brien, IA): 51248, 51346; score 0 (O'Brien, IA), climate 19 (O'Brien, IA): 51232; score 0 (O'Brien, IA), climate 16 (O'Brien, IA): 51350.
DLRadar rescores O'Brien, IA monthly; O'Brien, IA readings join O'Brien, IA foreclosure, lien and ownership parcels (O'Brien, IA), so cost-squeezed O'Brien, IA owners surface before listing.
Inside Iowa, O'Brien County ranks 19th of 99 counties for home-insurance distress at 54/100; Monona County (54/100) sits just above O'Brien County, and Wright County (52/100) sits just below O'Brien County.
Deterministic. Every O'Brien County, IA signal traces to a public O'Brien dataset (FEMA, NFIP, Census for O'Brien, IA) · how insurance distress works in O'Brien, IA · methodology
FAQ: O'Brien County, IA insurance distress
What is the O'Brien County, IA home-insurance-distress score?
O'Brien, IA: 54/100 (MEDIUM), #1,026 of 3,222, #19 in Iowa. FEMA hazard, O'Brien, IA: 40/100; NFIP stress, O'Brien, IA: 73/100; construction, O'Brien, IA: 84/100; O'Brien, IA rescores monthly.
Is O'Brien County insurance distress getting better or worse (IA)?
O'Brien, IA: 69 in March 2026; O'Brien, IA: 57 in October 2026 (better); O'Brien, IA climate component 46; O'Brien, IA NFIP claims score 73.
How many flood-insurance claims has O'Brien County, IA had?
O'Brien, IA: 1 NFIP claims, three years; O'Brien, IA paid $121,940; per O'Brien, IA claim $121,940; carriers reprice O'Brien, IA against that record.
Which O'Brien County ZIP codes carry the most insurance distress (IA)?
O'Brien, IA, June 2026: 51238 at 0, 51201 at 0, 51022 at 0, 51047 at 0; O'Brien, IA climate scores there: 51, 45, 42, 42.
Why does O'Brien, IA insurance distress create sellers?
A O'Brien, IA premium outruns the O'Brien, IA budget; a carrier leaves O'Brien, IA; O'Brien, IA carrying cost passes plan; O'Brien, IA owners sell while current; O'Brien, IA insurance distress leads O'Brien, IA foreclosure data.