Spencer County, IN: Home-Insurance Distress & Forced-Sale Pressure
Spencer County, IN: 27/100 (moderate) home-insurance distress; Spencer, IN band LOW; Spencer, IN #1,700 of 3,222 counties; Spencer, IN #66 of 92 in Indiana; raw Spencer, IN 31.8; Spencer, IN coverage multiplier 0.85.
FEMA hazard, Spencer, IN: 0/100; Spencer, IN declarations, three years: 2; Spencer, IN five-year count 3 (severity 6.0); Spencer, IN ten-year 3.
Declared incidents on the Spencer, IN record: 2026 Winter Storm 3 (Spencer, IN).
NFIP claims, Spencer, IN, three years: 7; Spencer, IN payouts $202,896; per Spencer, IN claim $28,985; Spencer, IN claim-stress 79/100.
Spencer, IN monthly score: 27 in every month from March 2026 (Spencer, IN) through October 2026.
Spencer, IN components: NFIP claims 79; Spencer, IN retreat index 27; Spencer, IN climate multiplier 0.85.
Construction distress, Spencer, IN: 28/100 as of August 2026 (Spencer, IN: 31/100 one-to-four unit, 0/100 multifamily).
Spencer, IN ZIPs, June 2026 (Spencer, IN, 16 highest): score 0 (Spencer, IN), climate 67 (Spencer, IN): 47601; score 0 (Spencer, IN), climate 66 (Spencer, IN): 47637; score 0 (Spencer, IN), climate 61 (Spencer, IN): 47541; score 0 (Spencer, IN), climate 57 (Spencer, IN): 47523; score 0 (Spencer, IN), climate 54 (Spencer, IN): 47532, 47537; score 0 (Spencer, IN), climate 42 (Spencer, IN): 47531, 47550, 47552, 47579, Spencer, IN 47611, 47615, 47634, 47635; score 0 (Spencer, IN), climate 40 (Spencer, IN): 47577, 47588.
DLRadar rescores Spencer, IN monthly; Spencer, IN readings join Spencer, IN foreclosure, lien and ownership parcels (Spencer, IN), so cost-squeezed Spencer, IN owners surface before listing.
Inside Indiana, Spencer County ranks 66th of 92 counties for home-insurance distress at 27/100; Howard County (30/100) sits just above Spencer County, and Johnson County (27/100) sits just below Spencer County.
Deterministic. Every Spencer County, IN signal traces to a public Spencer dataset (FEMA, NFIP, Census for Spencer, IN) · how insurance distress works in Spencer, IN · methodology
FAQ: Spencer County, IN insurance distress
What is the Spencer County, IN home-insurance-distress score?
Spencer, IN: 27/100 (LOW), #1,700 of 3,222, #66 in Indiana. FEMA hazard, Spencer, IN: 0/100; NFIP stress, Spencer, IN: 79/100; construction, Spencer, IN: 28/100; Spencer, IN rescores monthly.
Is Spencer County insurance distress getting better or worse (IN)?
Spencer, IN: 27 in March 2026; Spencer, IN: 27 in October 2026 (unchanged); Spencer, IN NFIP claims score 79.
How many flood-insurance claims has Spencer County, IN had?
Spencer, IN: 7 NFIP claims, three years; Spencer, IN paid $202,896; per Spencer, IN claim $28,985; carriers reprice Spencer, IN against that record.
Which Spencer County ZIP codes carry the most insurance distress (IN)?
Spencer, IN, June 2026: 47601 at 0, 47637 at 0, 47541 at 0, 47523 at 0; Spencer, IN climate scores there: 67, 66, 61, 57.
Why does Spencer, IN insurance distress create sellers?
A Spencer, IN premium outruns the Spencer, IN budget; a carrier leaves Spencer, IN; Spencer, IN carrying cost passes plan; Spencer, IN owners sell while current; Spencer, IN insurance distress leads Spencer, IN foreclosure data.