Daviess County, IN: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Daviess County, Indiana reads low (22/100), in the lower-risk band nationally — #2018 nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
DLRadar re-scores Daviess County every month against the latest FEMA, NFIP and carrier data, so 22/100 tracks the live market — not a snapshot frozen at some earlier point.
Rebuilding is expensive in this market -- 99/100 on construction distress -- and coverage is priced off exactly that number.
A 0/100 hazard base sitting alongside 65/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
Because coverage pressure seldom acts alone, Daviess County's 22/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.
Daviess County's 22/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
Flood losses tell the story: 1 NFIP claims and $24,529 paid out over three years, averaging $24,529 apiece -- exactly the history that hardens rates.
Driving it: a FEMA hazard score of 0/100; NFIP flood-claim stress of 65/100 over three years, all of which push carriers toward higher rates or non-renewal.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Daviess County insurance distress — FAQ
Is home insurance a problem for owners in Daviess County, Indiana?
Daviess County scores 22/100 -- a figure rebuilt monthly rather than carried forward.
What is the flood-claim history in Daviess County?
Federal flood data puts Daviess County at 1 claims in three years, $24,529 paid out.
How does insurance cost turn into seller supply in Daviess County?
When premiums in Daviess County rise faster than owners budgeted - or carriers stop writing policies altogether - the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.