Osceola County, IA: Home-Insurance Distress & Forced-Sale Pressure
Osceola County, IA: 49/100 (elevated) home-insurance distress; Osceola, IA band MEDIUM; Osceola, IA #1,123 of 3,222 counties; Osceola, IA #25 of 99 in Iowa.
FEMA hazard, Osceola, IA: 40/100; Osceola, IA declarations, three years: 2; Osceola, IA perils: 2 severe-storm; Osceola, IA five-year count 3 (severity 4.5); Osceola, IA ten-year 3; hazard-weighted, Osceola, IA: 2.0.
Declared incidents on the Osceola, IA record: 2024 Severe Storm 3 (Osceola, IA).
NFIP claims, Osceola, IA, three years: 2; Osceola, IA payouts $21,352; per Osceola, IA claim $10,676; Osceola, IA claim-stress 62/100.
Osceola, IA monthly score fell, 64 (March 2026) to 52 (October 2026); Osceola, IA by month: March 64, April 64, May 62, June 62 (Osceola, IA), July 60, August 58, September 58, October 52.
Osceola, IA components: climate 46, NFIP claims 62; Osceola, IA retreat index 52.
Construction distress, Osceola, IA: 77/100 as of August 2026 (Osceola, IA: 76/100 one-to-four unit, 19/100 multifamily).
Osceola, IA ZIPs, June 2026 (Osceola, IA, 8 highest): score 0 (Osceola, IA), climate 27 (Osceola, IA): 51243, 51248, 51346; score 0 (Osceola, IA), climate 19 (Osceola, IA): 51232; score 0 (Osceola, IA), climate 16 (Osceola, IA): 51345, 51350; score 0 (Osceola, IA), climate 15 (Osceola, IA): 51249, 51354.
DLRadar rescores Osceola, IA monthly; Osceola, IA readings join Osceola, IA foreclosure, lien and ownership parcels (Osceola, IA), so cost-squeezed Osceola, IA owners surface before listing.
Inside Iowa, Osceola County ranks 25th of 99 counties for home-insurance distress at 49/100; Palo Alto County (50/100) sits just above Osceola County, and Butler County (48/100) sits just below Osceola County.
Deterministic. Every Osceola County, IA signal traces to a public Osceola dataset (FEMA, NFIP, Census for Osceola, IA) · how insurance distress works in Osceola, IA · methodology
FAQ: Osceola County, IA insurance distress
What is the Osceola County, IA home-insurance-distress score?
Osceola, IA: 49/100 (MEDIUM), #1,123 of 3,222, #25 in Iowa. FEMA hazard, Osceola, IA: 40/100; NFIP stress, Osceola, IA: 62/100; construction, Osceola, IA: 77/100; Osceola, IA rescores monthly.
Is Osceola County insurance distress getting better or worse (IA)?
Osceola, IA: 64 in March 2026; Osceola, IA: 52 in October 2026 (better); Osceola, IA climate component 46; Osceola, IA NFIP claims score 62.
How many flood-insurance claims has Osceola County, IA had?
Osceola, IA: 2 NFIP claims, three years; Osceola, IA paid $21,352; per Osceola, IA claim $10,676; carriers reprice Osceola, IA against that record.
Which Osceola County ZIP codes carry the most insurance distress (IA)?
Osceola, IA, June 2026: 51243 at 0, 51248 at 0, 51346 at 0, 51232 at 0; Osceola, IA climate scores there: 27, 27, 27, 19.
Why does Osceola, IA insurance distress create sellers?
A Osceola, IA premium outruns the Osceola, IA budget; a carrier leaves Osceola, IA; Osceola, IA carrying cost passes plan; Osceola, IA owners sell while current; Osceola, IA insurance distress leads Osceola, IA foreclosure data.