Worth County, IA: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Worth County, Iowa is currently moderate — an insurance-distress score of 44/100, in the upper half of U.S. counties at #1130 of the 3,222 U.S. counties DLRadar scores. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
What lifts Worth County's reading is a FEMA hazard score of 53/100; NFIP flood-claim stress of 30/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
Read together, a 53/100 hazard base and 30/100 flood-claim stress explain why Worth County screens as a place where coverage cost, not the loan, is the likely sale trigger.
Because Worth County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1130 national rank moves as conditions do.
What a moderate score means on the ground in Worth 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.
DLRadar does not treat that as a standalone number — the Worth County insurance read is cross-referenced against the county's foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
The county's three-year flood-loss ledger — 31 claims, $0 paid (~$0/claim) — is the evidence carriers use to justify higher rates or withdrawal.
With construction distress at 1/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Worth County insurance distress — FAQ
How bad is home-insurance distress in Worth County, Iowa?
Worth County scores 44/100 for home-insurance distress (MEDIUM), ranking #1130 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (53/100), NFIP flood-claim stress (30/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Worth County had?
Over the trailing three years, Worth County recorded 31 NFIP flood claims with $0 paid out, roughly $0 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 Worth County?
When premiums in Worth 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.