Clearwater County, ID: Home-Insurance Distress & Forced-Sale Pressure
Clearwater County, ID: 25/100 (moderate) home-insurance distress; Clearwater, ID band LOW; Clearwater, ID #1,902 of 3,222 counties; Clearwater, ID #10 of 44 in Idaho; raw Clearwater, ID 24.1; Clearwater, ID coverage multiplier 0.85.
FEMA hazard, Clearwater, ID: 50/100; Clearwater, ID declarations, three years: 4; Clearwater, ID perils: 2 severe-storm; hazard-weighted, Clearwater, ID: 2.0.
Declared incidents on the Clearwater, ID record: 2026 Straight-Line Winds 3; 2026 Severe Storm 3 (Clearwater, ID).
NFIP claims, Clearwater, ID, three years: none; Clearwater, ID claim-stress 0/100.
Clearwater, ID monthly score rose, 0 (March 2026) to 23 (October 2026); Clearwater, ID by month: March 0, April 0, May 0, June 0 (Clearwater, ID), July 23, August 21, September 21, October 23.
Clearwater, ID components: climate 46; Clearwater, ID retreat index 23; Clearwater, ID climate multiplier 0.85.
Construction distress, Clearwater, ID: 76/100 as of August 2026 (Clearwater, ID: 69/100 one-to-four unit, 100/100 multifamily).
Clearwater, ID ZIPs, June 2026 (Clearwater, ID, 7 highest): score 0 (Clearwater, ID), climate 42 (Clearwater, ID): 83541; score 0 (Clearwater, ID), climate 41 (Clearwater, ID): 83520, 83537, 83546, 83553, Clearwater, ID 83827; score 0 (Clearwater, ID), climate 40 (Clearwater, ID): 83544.
DLRadar rescores Clearwater, ID monthly; Clearwater, ID readings join Clearwater, ID foreclosure, lien and ownership parcels (Clearwater, ID), so cost-squeezed Clearwater, ID owners surface before listing.
Inside Idaho, Clearwater County ranks 10th of 44 counties for home-insurance distress at 25/100; Benewah County (25/100) sits just above Clearwater County, and Ada County (20/100) sits just below Clearwater County.
Deterministic. Every Clearwater County, ID signal traces to a public Clearwater dataset (FEMA, NFIP, Census for Clearwater, ID) · how insurance distress works in Clearwater, ID · methodology
FAQ: Clearwater County, ID insurance distress
What is the Clearwater County, ID home-insurance-distress score?
Clearwater, ID: 25/100 (LOW), #1,902 of 3,222, #10 in Idaho. FEMA hazard, Clearwater, ID: 50/100; NFIP stress, Clearwater, ID: 0/100; construction, Clearwater, ID: 76/100; Clearwater, ID rescores monthly.
Is Clearwater County insurance distress getting better or worse (ID)?
Clearwater, ID: 0 in March 2026; Clearwater, ID: 23 in October 2026 (worse); Clearwater, ID climate component 46.
Which Clearwater County ZIP codes carry the most insurance distress (ID)?
Clearwater, ID, June 2026: 83541 at 0, 83520 at 0, 83537 at 0, 83546 at 0; Clearwater, ID climate scores there: 42, 41, 41, 41.
Why does Clearwater, ID insurance distress create sellers?
A Clearwater, ID premium outruns the Clearwater, ID budget; a carrier leaves Clearwater, ID; Clearwater, ID carrying cost passes plan; Clearwater, ID owners sell while current; Clearwater, ID insurance distress leads Clearwater, ID foreclosure data.