Brown County, IL: Home-Insurance Distress & Forced-Sale Pressure

DLRadar grades Brown County, Illinois at 0/100 for home-insurance distress, a low level that places it #2564 of 3,222 counties, in the lower-risk band nationally. More and more, it is the insurance bill rather than the mortgage that turns a Brown County owner into a seller.

Driving it: a FEMA hazard score of 0/100; NFIP flood-claim stress of 0/100 over three years, all of which push carriers toward higher rates or non-renewal.

Brown County's 0/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

A 83/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

It is the combination -- 0/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

With 0 flood claims and $0 in payouts on the three-year record, Brown County gives underwriters a concrete reason to reprice or exit.

DLRadar re-scores Brown County every month against the latest FEMA, NFIP and carrier data, so 0/100 tracks the live market — not a snapshot frozen at some earlier point.

A #2564 national standing means little alone; DLRadar pairs Brown County's coverage stress with default and ownership data before calling a parcel distressed.

DLRadar rebuilds insurance distress nationwide each month and wires Brown County score into the parcel-level foreclosure and ownership graph. That is how coverage-pressured owners surface before they reach the open market.