Gem County, ID: Home-Insurance Distress & Forced-Sale Pressure
Gem County, ID: 18/100 (low) home-insurance distress; Gem, ID band LOW; Gem, ID #2,378 of 3,222 counties; Gem, ID #14 of 44 in Idaho; raw Gem, ID 21.3; Gem, ID coverage multiplier 0.85.
FEMA hazard, Gem, ID: 0/100; Gem, ID declarations, three years: none.
NFIP claims, Gem, ID, three years: 1; Gem, ID payouts $5,397; per Gem, ID claim $5,397; Gem, ID claim-stress 53/100.
Gem, ID monthly score fell, 20 (March 2026) to 18 (October 2026); Gem, ID by month: March 20, April 20, May 19, June 19 (Gem, ID), July 19, August 19, September 19, October 18.
Gem, ID components: NFIP claims 53; Gem, ID retreat index 18; Gem, ID climate multiplier 0.85.
Construction distress, Gem, ID: 37/100 as of August 2026 (Gem, ID: 37/100 one-to-four unit, 2/100 multifamily).
Gem, ID ZIPs, June 2026 (Gem, ID, 7 highest): score 0 (Gem, ID), climate 71 (Gem, ID): 83616; score 0 (Gem, ID), climate 61 (Gem, ID): 83607; score 0 (Gem, ID), climate 50 (Gem, ID): 83629; score 0 (Gem, ID), climate 41 (Gem, ID): 83670; score 0 (Gem, ID), climate 37 (Gem, ID): 83617, 83636, 83657.
DLRadar rescores Gem, ID monthly; Gem, ID readings join Gem, ID foreclosure, lien and ownership parcels (Gem, ID), so cost-squeezed Gem, ID owners surface before listing.
Inside Idaho, Gem County ranks 14th of 44 counties for home-insurance distress at 18/100; Canyon County (19/100) sits just above Gem County, and Bonneville County (5/100) sits just below Gem County.
Deterministic. Every Gem County, ID signal traces to a public Gem dataset (FEMA, NFIP, Census for Gem, ID) · how insurance distress works in Gem, ID · methodology
FAQ: Gem County, ID insurance distress
What is the Gem County, ID home-insurance-distress score?
Gem, ID: 18/100 (LOW), #2,378 of 3,222, #14 in Idaho. FEMA hazard, Gem, ID: 0/100; NFIP stress, Gem, ID: 53/100; construction, Gem, ID: 37/100; Gem, ID rescores monthly.
Is Gem County insurance distress getting better or worse (ID)?
Gem, ID: 20 in March 2026; Gem, ID: 18 in October 2026 (better); Gem, ID NFIP claims score 53.
How many flood-insurance claims has Gem County, ID had?
Gem, ID: 1 NFIP claims, three years; Gem, ID paid $5,397; per Gem, ID claim $5,397; carriers reprice Gem, ID against that record.
Which Gem County ZIP codes carry the most insurance distress (ID)?
Gem, ID, June 2026: 83616 at 0, 83607 at 0, 83629 at 0, 83670 at 0; Gem, ID climate scores there: 71, 61, 50, 41.
Why does Gem, ID insurance distress create sellers?
A Gem, ID premium outruns the Gem, ID budget; a carrier leaves Gem, ID; Gem, ID carrying cost passes plan; Gem, ID owners sell while current; Gem, ID insurance distress leads Gem, ID foreclosure data.