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

Home-insurance pressure in Posey County, Indiana is currently moderate — an insurance-distress score of 26/100, in the lower-risk band nationally at #1890 of the 3,222 U.S. counties DLRadar scores. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

Over the trailing three years, Posey County recorded 2 NFIP flood claims totaling $106,462 paid (about $53,231 per claim) — the loss history that pushes premiums up and coverage out.

Driving it: a FEMA hazard score of 0/100; NFIP flood-claim stress of 76/100 over three years, all of which push carriers toward higher rates or non-renewal.

It is the combination -- 0/100 hazard, 76/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

Rebuild-cost inflation compounds it: construction-distress reads 71/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

DLRadar does not treat 26/100 as a standalone number — the Posey 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.

Posey County's 26/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

DLRadar re-scores Posey County every month against the latest FEMA, NFIP and carrier data, so 26/100 tracks the live market — not a snapshot frozen at some earlier point.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. So you can reach the owners whose trigger is carrying cost — before they list.