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

Insurance distress in Perry County, Illinois reads low (0/100), in the lower-risk band nationally — #2611 nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 0/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

Construction distress sits at 1/100, so the replacement cost insurers underwrite against is elevated here.

A low level of 0/100 in Perry County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

A #2611 national standing means little alone; DLRadar pairs Perry County's coverage stress with default and ownership data before calling a parcel distressed.

A 0/100 hazard base sitting alongside 0/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.

Perry County's 0/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #2611 position shifts between updates.

Flood losses tell the story: 0 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.