Kansas Home-Insurance Distress by County
Across Kansas, insurance distress averages 28/100 at the county level — below the national average, ranking 25th nationally. Every one of Kansas's 105 counties is monitored for coverage pressure — the force that pushes owners to list before any default shows.
DLRadar re-scores every Kansas county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.
The sharpest pressure concentrates in Ottawa County (70/100, #586 nationally) and Butler County. Scroll on for the full Kansas county ranking, every row linking through to its report.
The Kansas average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.
What Kansas's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two Kansas counties with similar weather can diverge sharply on distress.
The takeaway for Kansas is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.
Across Kansas, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.
NFIP paid $19,065,794 across 436 Kansas flood claims in three years; that ledger is what reprices coverage statewide.
Behind the state number sit an average FEMA hazard score of 41/100 and average NFIP flood-claim stress of 16/100, the hazard basis insurers use to reprice Kansas coverage.
The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces Kansas's insurance-squeezed sellers ahead of the market.
| County | State | Insurance Score | 🔒 Address | 🔒 Owner |
|---|---|---|---|---|
| Ottawa County | Kansas | 70/100 | ||
| Butler County | Kansas | 70/100 | ||
| Wyandotte County | Kansas | 68/100 | ||
| Sumner County | Kansas | 66/100 | ||
| Osage County | Kansas | 66/100 | ||
| Lincoln County | Kansas | 64/100 | ||
| Wilson County | Kansas | 61/100 | ||
| Allen County | Kansas | 60/100 | ||
| Geary County | Kansas | 59/100 | ||
| Riley County | Kansas | 56/100 |
Most insurance-distressed counties in Kansas
Locate Kansas sellers before the filing
Insurance distress is an early, pre-foreclosure motivation signal. DLRadar ties it to parcel-level foreclosure, tax-lien and ownership data statewide.
Rules-based scoring — each input is a public dataset (FEMA, NFIP, Census) · how insurance distress works
Catch the signal early. Fund the deal. Complete it.
This is one layer of DLRadar - the operating system for real-estate acquisitions. It surfaces distressed opportunities, ranks them, connects you to capital, and organizes the work from signal to closing.
Look around freely. Owner names, contacts, parcel IDs and exports unlock with a subscription; everything else is open during the trial. One trial per customer, no card, never auto-billed.
Other DLRadar layers worth checking
One signal is a hypothesis; four agreeing signals are a thesis. That is what the stack is for.
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