Indiana Home-Insurance Distress by County

Across Indiana, insurance distress averages 42/100 at the county level — moderate but rising in pockets, ranking 17th nationally. Every one of Indiana's 92 counties is monitored for coverage pressure — the force that pushes owners to list before any default shows.

Indiana has 12 counties in the severe band (70+), concentrating the state's coverage crisis.

For anyone sourcing acquisitions in Indiana, the value of a state-level insurance read is that it points to which counties to open first: a moderate but rising in pockets average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

Treated properly, Indiana's insurance distress is a lead source: it flags owners whose breaking point is the policy, and the ranked counties below are where to start.

Behind the state number sit an average FEMA hazard score of 44/100 and average NFIP flood-claim stress of 43/100, the hazard basis insurers use to reprice Indiana coverage.

What Indiana's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two Indiana counties with similar weather can diverge sharply on distress.

The sharpest pressure concentrates in Harrison County (81/100, #316 nationally) and Morgan County. Every Indiana county appears in the ranked table below, each linking to its own report.

DLRadar re-scores every Indiana county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.

Insurance pressure in Indiana is most useful read against the rest: DLRadar aligns it with foreclosure, lender-stress and ownership data county by county, separating owners squeezed only by premiums from those under broader strain.

NFIP paid $18,216,687 across 437 Indiana flood claims in three years; that ledger is what reprices coverage statewide.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. So in Indiana you can find the owners whose breaking point is the insurance bill, before they list.