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

Insurance distress in Pulaski County, Indiana reads moderate (36/100), in the upper half of U.S. counties — #1330 nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

Because Pulaski County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1330 national rank moves as conditions do.

Read together, a 71/100 hazard base and 0/100 flood-claim stress explain why Pulaski County screens as a place where coverage cost, not the loan, is the likely sale trigger.

Rebuild-cost inflation compounds it: construction-distress reads 34/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

Practically, Pulaski County's 36/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.

Behind the score sit a FEMA hazard score of 71/100; NFIP flood-claim stress of 0/100 over three years; 2 flood federal disaster declarations in three years, each a factor insurers weigh when they raise rates or exit a market.

Three years of NFIP activity in Pulaski County comes to 0 claims worth $0, and that ledger is what carriers price against.

Underwriters read this county through flood first -- it is the recurring driver in the declaration history.

Because coverage pressure seldom acts alone, Pulaski County's 36/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.

DLRadar rebuilds insurance distress nationwide each month and wires Pulaski County score into the parcel-level foreclosure and ownership graph. The result is early access to owners whose trigger is insurance rather than default.