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

Story County, Iowa carries a severe home-insurance-distress reading of 73/100 — ranked #531 nationally, in the upper half of U.S. counties. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

In practice, Story County's severe insurance-distress level (73/100, #531 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.

Construction distress sits at 50/100, so the replacement cost insurers underwrite against is elevated here.

It is the combination -- 77/100 hazard, 68/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

DLRadar re-scores Story County every month against the latest FEMA, NFIP and carrier data, so 73/100 tracks the live market — not a snapshot frozen at some earlier point.

31 NFIP claims, $6,261 paid in three years is the documented loss history behind coverage cost in Story County.

The pressure here is driven by a FEMA hazard score of 77/100; NFIP flood-claim stress of 68/100 over three years — the exposures carriers price against and increasingly decline to renew.

DLRadar does not treat 73/100 as a standalone number — the Story County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. So you can reach the owners whose trigger is carrying cost — before they list.