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

Perry County, Indiana carries a severe home-insurance-distress reading of 71/100 — ranked #589 nationally, in the upper half of U.S. counties. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

Its exposure skews toward flood, the most frequent federal disaster driver in the county over the past three years.

DLRadar re-scores Perry County every month against the latest FEMA, NFIP and carrier data, so 71/100 tracks the live market — not a snapshot frozen at some earlier point.

A 62/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

Hazard exposure of 71/100 alongside 70/100 in flood-claim stress is the combination that turns Perry County owners into insurance-motivated sellers.

Flood losses tell the story: 2 NFIP claims and $50,332 paid out over three years, averaging $25,166 apiece -- exactly the history that hardens rates.

Behind the score sit a FEMA hazard score of 71/100; NFIP flood-claim stress of 70/100 over three years; 2 flood federal disaster declarations in three years, each a factor insurers weigh when they raise rates or exit a market.

Read as a targeting input, 71/100 puts Perry County #589 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.

Taken with the county's foreclosure and lien record, 71/100 tells you whether Perry County owners face a coverage problem or a solvency problem — the two need different outreach.

Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. The point is reaching those owners while carrying cost is still the problem, not after the filing.