Plymouth County, IA: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Plymouth County, Iowa reads severe (70/100), in the upper half of U.S. counties — #597 nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
Over the trailing three years, Plymouth County recorded 217 NFIP flood claims totaling $11,627,016 paid (about $53,581 per claim) — the loss history that pushes premiums up and coverage out.
What a severe score means on the ground in Plymouth County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.
The county's insurance signal is only useful next to the rest: in Plymouth County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.
Replacement economics add to the squeeze — a 71/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
Read together, a 53/100 hazard base and 96/100 flood-claim stress explain why Plymouth County screens as a place where coverage cost, not the loan, is the likely sale trigger.
What lifts Plymouth County's reading is a FEMA hazard score of 53/100; NFIP flood-claim stress of 96/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
Because Plymouth County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #597 national rank moves as conditions do.
DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Plymouth County insurance distress — FAQ
How bad is home-insurance distress in Plymouth County, Iowa?
Plymouth County scores 70/100 for home-insurance distress (MEDIUM), ranking #597 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (53/100), NFIP flood-claim stress (96/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Plymouth County had?
Over the trailing three years, Plymouth County recorded 217 NFIP flood claims with $11,627,016 paid out, roughly $53,581 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Plymouth County?
When premiums in Plymouth County rise faster than owners budgeted — or carriers stop writing policies altogether — the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.