Howard County, IN: Home-Insurance Distress & Forced-Sale Pressure
Howard County, IN: 30/100 (moderate) home-insurance distress; Howard, IN band LOW; Howard, IN #1,607 of 3,222 counties; Howard, IN #65 of 92 in Indiana; raw Howard, IN 35.4; Howard, IN coverage multiplier 0.85.
FEMA hazard, Howard, IN: 0/100; Howard, IN declarations, three years: 2; Howard, IN five-year count 6 (severity 9.0); Howard, IN ten-year 6.
Declared incidents on the Howard, IN record: 2026 Winter Storm 3; 2023 Severe Storm 3 (Howard, IN).
NFIP claims, Howard, IN, three years: 11; Howard, IN payouts $673,009; per Howard, IN claim $61,183; Howard, IN claim-stress 88/100.
Howard, IN monthly score: 30 in every month from March 2026 (Howard, IN) through October 2026.
Howard, IN components: NFIP claims 88; Howard, IN retreat index 30; Howard, IN climate multiplier 0.85.
Construction distress, Howard, IN: 2/100 as of August 2026 (Howard, IN: 80/100 one-to-four unit, 0/100 multifamily).
Howard, IN ZIPs, June 2026 (Howard, IN, 12 highest): score 0 (Howard, IN), climate 68 (Howard, IN): 46928; score 0 (Howard, IN), climate 65 (Howard, IN): 46936, 46937, 46965; score 0 (Howard, IN), climate 64 (Howard, IN): 46902; score 0 (Howard, IN), climate 63 (Howard, IN): 46901; score 0 (Howard, IN), climate 62 (Howard, IN): 46919; score 0 (Howard, IN), climate 60 (Howard, IN): 46979; score 0 (Howard, IN), climate 55 (Howard, IN): 46932; score 0 (Howard, IN), climate 40 (Howard, IN): 46929; score 0 (Howard, IN), climate 17 (Howard, IN): 46068; score 0 (Howard, IN), climate 16 (Howard, IN): 46076.
DLRadar rescores Howard, IN monthly; Howard, IN readings join Howard, IN foreclosure, lien and ownership parcels (Howard, IN), so cost-squeezed Howard, IN owners surface before listing.
Inside Indiana, Howard County ranks 65th of 92 counties for home-insurance distress at 30/100; Monroe County (30/100) sits just above Howard County, and Spencer County (27/100) sits just below Howard County.
Deterministic. Every Howard County, IN signal traces to a public Howard dataset (FEMA, NFIP, Census for Howard, IN) · how insurance distress works in Howard, IN · methodology
FAQ: Howard County, IN insurance distress
What is the Howard County, IN home-insurance-distress score?
Howard, IN: 30/100 (LOW), #1,607 of 3,222, #65 in Indiana. FEMA hazard, Howard, IN: 0/100; NFIP stress, Howard, IN: 88/100; construction, Howard, IN: 2/100; Howard, IN rescores monthly.
Is Howard County insurance distress getting better or worse (IN)?
Howard, IN: 30 in March 2026; Howard, IN: 30 in October 2026 (unchanged); Howard, IN NFIP claims score 88.
How many flood-insurance claims has Howard County, IN had?
Howard, IN: 11 NFIP claims, three years; Howard, IN paid $673,009; per Howard, IN claim $61,183; carriers reprice Howard, IN against that record.
Which Howard County ZIP codes carry the most insurance distress (IN)?
Howard, IN, June 2026: 46928 at 0, 46936 at 0, 46937 at 0, 46965 at 0; Howard, IN climate scores there: 68, 65, 65, 65.
Why does Howard, IN insurance distress create sellers?
A Howard, IN premium outruns the Howard, IN budget; a carrier leaves Howard, IN; Howard, IN carrying cost passes plan; Howard, IN owners sell while current; Howard, IN insurance distress leads Howard, IN foreclosure data.