Chautauqua County, KS: Home-Insurance Distress & Forced-Sale Pressure

DLRadar grades Chautauqua County, Kansas at 26/100 for home-insurance distress, a moderate level that places it #1746 of 3,222 counties, in the lower-risk band nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

For a buyer, Chautauqua County at 26/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.

Because premiums track rebuild cost, a 7/100 construction-distress reading in Chautauqua County feeds straight through to what owners are quoted.

The Chautauqua County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.

DLRadar reads Chautauqua County's 26/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.

Flood losses tell the story: 0 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.

Behind the score sit a FEMA hazard score of 51/100; NFIP flood-claim stress of 0/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

The gap between physical hazard (51/100) and realized flood losses (0/100) is what DLRadar watches to flag insurance-driven sellers in Chautauqua County.

The nationwide monthly build covers all 3,222 counties and connects Chautauqua County reading to real foreclosure, tax-lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.