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

Home-insurance pressure in Warren County, Indiana is currently moderate — an insurance-distress score of 36/100, in the upper half of U.S. counties at #1333 of the 3,222 U.S. counties DLRadar scores. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.

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

Insurers set premiums from replacement cost, and at 13/100 that input is running hot in Warren County.

In practice, Warren County's moderate insurance-distress level (36/100, #1333 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.

Over the trailing three years, Warren County recorded 0 NFIP flood claims totaling $0 paid (about $0 per claim) — the loss history that pushes premiums up and coverage out.

Because Warren County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1333 national rank moves as conditions do.

Put the 71/100 hazard reading next to 0/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

Driving it: 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, all of which push carriers toward higher rates or non-renewal.

DLRadar reads Warren County's 36/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.

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. That is how coverage-pressured owners surface before they reach the open market.