St. Joseph County, IN: Home-Insurance Distress & Forced-Sale Pressure
St. Joseph County, IN: 27/100 (moderate) home-insurance distress; St. Joseph, IN band LOW; St. Joseph, IN #1,715 of 3,222 counties; St. Joseph, IN #70 of 92 in Indiana; raw St. Joseph, IN 31.2; St. Joseph, IN coverage multiplier 0.85.
FEMA hazard, St. Joseph, IN: 52/100; St. Joseph, IN declarations, three years: 4; St. Joseph, IN perils: 2 flood; St. Joseph, IN five-year count 3 (severity 6.0); St. Joseph, IN ten-year 3; hazard-weighted, St. Joseph, IN: 4.0.
Declared incidents on the St. Joseph, IN record: 2026 Winter Storm 3; 2026 Flood 3 (St. Joseph, IN).
NFIP claims, St. Joseph, IN, three years: none; St. Joseph, IN claim-stress 0/100.
St. Joseph, IN monthly score rose, 0 (March 2026) to 30 (October 2026); St. Joseph, IN by month: March 0, April 0, May 0, June 0 (St. Joseph, IN), July 0, August 26, September 27, October 30.
St. Joseph, IN components: climate 60; St. Joseph, IN retreat index 30; St. Joseph, IN climate multiplier 0.85.
Construction distress, St. Joseph, IN: 1/100 as of August 2026 (St. Joseph, IN: 44/100 one-to-four unit, 0/100 multifamily).
St. Joseph, IN ZIPs, June 2026 (St. Joseph, IN, 16 highest): score 0 (St. Joseph, IN), climate 86 (St. Joseph, IN): 46530, 46544, 46545, 46554, St. Joseph, IN 46556, 46561, 46595, 46601, St. Joseph, IN 46613, 46614, 46615, 46616, St. Joseph, IN 46617, 46619, 46624, 46628.
DLRadar rescores St. Joseph, IN monthly; St. Joseph, IN readings join St. Joseph, IN foreclosure, lien and ownership parcels (St. Joseph, IN), so cost-squeezed St. Joseph, IN owners surface before listing.
Inside Indiana, St. Joseph County ranks 70th of 92 counties for home-insurance distress at 27/100; Knox County (27/100) sits just above St. Joseph County, and Vermillion County (27/100) sits just below St. Joseph County.
Deterministic. Every St. Joseph County, IN signal traces to a public St. Joseph dataset (FEMA, NFIP, Census for St. Joseph, IN) · how insurance distress works in St. Joseph, IN · methodology
FAQ: St. Joseph County, IN insurance distress
What is the St. Joseph County, IN home-insurance-distress score?
St. Joseph, IN: 27/100 (LOW), #1,715 of 3,222, #70 in Indiana. FEMA hazard, St. Joseph, IN: 52/100; NFIP stress, St. Joseph, IN: 0/100; construction, St. Joseph, IN: 1/100; St. Joseph, IN rescores monthly.
Is St. Joseph County insurance distress getting better or worse (IN)?
St. Joseph, IN: 0 in March 2026; St. Joseph, IN: 30 in October 2026 (worse); St. Joseph, IN climate component 60.
Which St. Joseph County ZIP codes carry the most insurance distress (IN)?
St. Joseph, IN, June 2026: 46530 at 0, 46544 at 0, 46545 at 0, 46554 at 0; St. Joseph, IN climate scores there: 86, 86, 86, 86.
Why does St. Joseph, IN insurance distress create sellers?
A St. Joseph, IN premium outruns the St. Joseph, IN budget; a carrier leaves St. Joseph, IN; St. Joseph, IN carrying cost passes plan; St. Joseph, IN owners sell while current; St. Joseph, IN insurance distress leads St. Joseph, IN foreclosure data.