Floyd County, IN: Home-Insurance Distress & Forced-Sale Pressure

Insurance distress in Floyd County, Indiana reads elevated (66/100), in the upper half of U.S. counties — #675 nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

Read together, a 51/100 hazard base and 90/100 flood-claim stress explain why Floyd County screens as a place where coverage cost, not the loan, is the likely sale trigger.

Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 90/100 over three years; 1 flood federal disaster declaration in three years, all of which push carriers toward higher rates or non-renewal.

Flood is the dominant declared hazard here, which shapes how carriers underwrite the county.

Floyd County's 66/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

On its own 66/100 is half a picture, so Floyd County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.

The Floyd County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 66/100 reading reflects the current renewal environment rather than a historical average.

Because premiums track rebuild cost, a 81/100 construction-distress reading in Floyd County feeds straight through to what owners are quoted.

NFIP paid $938,526 across 16 Floyd County flood claims in three years, roughly $58,658 each; that record is what reprices coverage.

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. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.