Scott County, IN: Home-Insurance Distress & Forced-Sale Pressure
Scott County, Indiana carries a low home-insurance-distress reading of 21/100 — ranked #2189 nationally, in the lower-risk band nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
The gap between physical hazard (0/100) and realized flood losses (60/100) is what DLRadar watches to flag insurance-driven sellers in Scott County.
Because Scott County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #2189 national rank moves as conditions do.
The county's three-year flood-loss ledger — 2 claims, $8,851 paid (~$4,425/claim) — is the evidence carriers use to justify higher rates or withdrawal.
The county's insurance signal is only useful next to the rest: in Scott County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.
What lifts Scott County's reading is a FEMA hazard score of 0/100; NFIP flood-claim stress of 60/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
Replacement economics add to the squeeze — a 46/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
For an acquisition buyer, a low reading in Scott County is a targeting cue: it says a meaningful slice of local owners face a coverage bill that is rising faster than they planned for, and some of them will choose to sell rather than absorb it.
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. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Scott County insurance distress — FAQ
How bad is home-insurance distress in Scott County, Indiana?
Scott County scores 21/100 for home-insurance distress (LOW), ranking #2189 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (0/100), NFIP flood-claim stress (60/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Scott County had?
Over the trailing three years, Scott County recorded 2 NFIP flood claims with $8,851 paid out, roughly $4,425 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Scott County?
When premiums in Scott County rise faster than owners budgeted — or carriers stop writing policies altogether — the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.