Idaho Home-Insurance Distress by County

Home-insurance distress across Idaho is below the national average, with an average county insurance-distress score of 9/100 — the 48th-highest of the 52 states and territories DLRadar scores. All 44 Idaho counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

1 of Idaho's 44 counties carry a severe insurance-distress score of 70 or higher — where coverage is hardest to keep and carrying cost, not the mortgage, is the sale trigger.

For Idaho, the practical value is early identification — coverage-pressured owners surface here before they appear in any foreclosure feed, county by county down the list.

What Idaho's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two Idaho counties with similar weather can diverge sharply on distress.

For anyone sourcing acquisitions in Idaho, the value of a state-level insurance read is that it points to which counties to open first: a below the national average average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

Across Idaho, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

DLRadar re-scores every Idaho county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.

Over three years, Idaho counties recorded 17 NFIP flood claims totaling $139,840 paid — the loss history insurers convert into higher premiums the next renewal.

Statewide, the pressure is driven by an average FEMA hazard score of 12/100 and average NFIP flood-claim stress of 7/100 — the exposures carriers price against and increasingly decline to renew, and why Idaho premiums climb faster than incomes.

The sharpest pressure concentrates in Latah County (77/100, #448 nationally) and Nez Perce County. The table underneath sorts all Idaho counties by insurance distress, with a link to each detail page.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces Idaho's insurance-squeezed sellers ahead of the market.