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

Insurance distress in Jay County, Indiana reads moderate (27/100), in the lower-risk band nationally — #1698 nationally. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.

The pressure here is driven by a FEMA hazard score of 52/100; NFIP flood-claim stress of 0/100 over three years; 1 flood federal disaster declaration in three years — the exposures carriers price against and increasingly decline to renew.

Over the trailing three years, Jay County recorded 0 NFIP flood claims totaling $0 paid (about $0 per claim) — the loss history that pushes premiums up and coverage out.

Rebuilding is expensive in this market -- 50/100 on construction distress -- and coverage is priced off exactly that number.

The gap between physical hazard (52/100) and realized flood losses (0/100) is what DLRadar watches to flag insurance-driven sellers in Jay County.

Because Jay County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1698 national rank moves as conditions do.

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

On its own 27/100 is half a picture, so Jay County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.

What 27/100 means on the ground in Jay County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.

One model, every county, refreshed monthly from federal hazard and carrier data, tied back to individual parcels and their liens. The point is reaching those owners while carrying cost is still the problem, not after the filing.