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

DLRadar grades Harrison County, Indiana at 81/100 for home-insurance distress, a severe level that places it #338 of 3,222 counties, in the top tier nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

Hazard exposure of 71/100 alongside 95/100 in flood-claim stress is the combination that turns Harrison County owners into insurance-motivated sellers.

Carriers here underwrite around flood above all else, since it dominates the county three-year declaration record.

Driving it: a FEMA hazard score of 71/100; NFIP flood-claim stress of 95/100 over three years; 2 flood federal disaster declarations in three years, all of which push carriers toward higher rates or non-renewal.

With construction distress at 89/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

DLRadar does not treat 81/100 as a standalone number — the Harrison County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

Practically, Harrison County's 81/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.

Three years of NFIP activity in Harrison County comes to 27 claims worth $4,664,078, and that ledger is what carriers price against.

The Harrison County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 81/100 reading reflects the current renewal environment rather than a historical average.

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