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

Home-insurance pressure in Scott County, Iowa is currently severe — an insurance-distress score of 75/100, in the top tier nationally at #498 of the 3,222 U.S. counties DLRadar scores. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.

In practice, Scott County's severe insurance-distress level (75/100, #498 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.

A 64/100 hazard base sitting alongside 90/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.

Taken with the county's foreclosure and lien record, 75/100 tells you whether Scott County owners face a coverage problem or a solvency problem — the two need different outreach.

Behind the score sit a FEMA hazard score of 64/100; NFIP flood-claim stress of 90/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

Over the trailing three years, Scott County recorded 1,240 NFIP flood claims totaling $18,182,256 paid (about $14,663 per claim) — the loss history that pushes premiums up and coverage out.

With construction distress at 69/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

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

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. The payoff is early contact with insurance-pressured sellers, not late.