Lewis County, ID: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Lewis County, Idaho is currently moderate — an insurance-distress score of 27/100, in the lower-risk band nationally at #1692 of the 3,222 U.S. counties DLRadar scores. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

Carriers here underwrite around flood above all else, since it dominates the county three-year declaration record.

Hazard 52/100 plus flood-claim stress 0/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Lewis County.

For a buyer, Lewis County at 27/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.

Lewis County's 27/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #1692 position shifts between updates.

The 27/100 signal is only useful next to the rest: in Lewis County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.

The reading rests on a FEMA hazard score of 52/100; NFIP flood-claim stress of 0/100 over three years; 1 flood federal disaster declaration in three years - the specific exposures that widen premiums and shrink the carrier pool in Lewis County.

With construction distress at 65/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

The county's three-year flood-loss ledger — 0 claims, $0 paid (~$0/claim) — is the evidence carriers use to justify higher rates or withdrawal.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces the coverage-squeezed owners ahead of the market.