Miami County, IN: Home-Insurance Distress & Forced-Sale Pressure
Miami County, IN: 39/100 (moderate) home-insurance distress; Miami, IN band LOW; Miami, IN #1,367 of 3,222 counties; Miami, IN #53 of 92 in Indiana.
FEMA hazard, Miami, IN: 52/100; Miami, IN declarations, three years: 4; Miami, IN perils: 2 flood; Miami, IN five-year count 3 (severity 6.0); Miami, IN ten-year 3; hazard-weighted, Miami, IN: 4.0.
Declared incidents on the Miami, IN record: 2026 Winter Storm 3; 2026 Flood 3 (Miami, IN).
NFIP claims, Miami, IN, three years: 2; Miami, IN payouts $0; per Miami, IN claim $0; Miami, IN claim-stress 19/100.
Miami, IN monthly score rose, 0 (March 2026) to 43 (October 2026); Miami, IN by month: March 0, April 0, May 0, June 0 (Miami, IN), July 0, August 26, September 27, October 43.
Miami, IN components: climate 60, NFIP claims 19; Miami, IN retreat index 43.
Construction distress, Miami, IN: 3/100 as of August 2026 (Miami, IN: 5/100 one-to-four unit, 9/100 multifamily).
Miami, IN ZIPs, June 2026 (Miami, IN, 14 highest): score 0 (Miami, IN), climate 63 (Miami, IN): 46901; score 0 (Miami, IN), climate 62 (Miami, IN): 46919; score 0 (Miami, IN), climate 55 (Miami, IN): 46932; score 0 (Miami, IN), climate 52 (Miami, IN): 46914, 46926, 46958, 46959, Miami, IN 46970, 46971; score 0 (Miami, IN), climate 50 (Miami, IN): 46911; score 0 (Miami, IN), climate 47 (Miami, IN): 46951; score 0 (Miami, IN), climate 46 (Miami, IN): 46974; score 0 (Miami, IN), climate 42 (Miami, IN): 46992; score 0 (Miami, IN), climate 34 (Miami, IN): 46910.
DLRadar rescores Miami, IN monthly; Miami, IN readings join Miami, IN foreclosure, lien and ownership parcels (Miami, IN), so cost-squeezed Miami, IN owners surface before listing.
Inside Indiana, Miami County ranks 53rd of 92 counties for home-insurance distress at 39/100; Warren County (40/100) sits just above Miami County, and Boone County (37/100) sits just below Miami County.
Deterministic. Every Miami County, IN signal traces to a public Miami dataset (FEMA, NFIP, Census for Miami, IN) · how insurance distress works in Miami, IN · methodology
FAQ: Miami County, IN insurance distress
What is the Miami County, IN home-insurance-distress score?
Miami, IN: 39/100 (LOW), #1,367 of 3,222, #53 in Indiana. FEMA hazard, Miami, IN: 52/100; NFIP stress, Miami, IN: 19/100; construction, Miami, IN: 3/100; Miami, IN rescores monthly.
Is Miami County insurance distress getting better or worse (IN)?
Miami, IN: 0 in March 2026; Miami, IN: 43 in October 2026 (worse); Miami, IN climate component 60; Miami, IN NFIP claims score 19.
How many flood-insurance claims has Miami County, IN had?
Miami, IN: 2 NFIP claims, three years; Miami, IN paid $0; per Miami, IN claim $0; carriers reprice Miami, IN against that record.
Which Miami County ZIP codes carry the most insurance distress (IN)?
Miami, IN, June 2026: 46901 at 0, 46919 at 0, 46932 at 0, 46914 at 0; Miami, IN climate scores there: 63, 62, 55, 52.
Why does Miami, IN insurance distress create sellers?
A Miami, IN premium outruns the Miami, IN budget; a carrier leaves Miami, IN; Miami, IN carrying cost passes plan; Miami, IN owners sell while current; Miami, IN insurance distress leads Miami, IN foreclosure data.