Decatur County, KS: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Decatur County, Kansas is currently low — an insurance-distress score of 21/100, in the lower-risk band nationally at #2090 of the 3,222 U.S. counties DLRadar scores. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
Behind the score sit a FEMA hazard score of 41/100; NFIP flood-claim stress of 0/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
The Decatur 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.
With construction distress at 94/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
A low level of 21/100 in Decatur County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
The federal flood record here -- 0 claims at roughly $0 each -- is the loss experience premiums are built on.
The gap between physical hazard (41/100) and realized flood losses (0/100) is what DLRadar watches to flag insurance-driven sellers in Decatur County.
A #2090 national standing means little alone; DLRadar pairs Decatur County's coverage stress with default and ownership data before calling a parcel distressed.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Decatur County insurance distress — FAQ
How bad is home-insurance distress in Decatur County, Kansas?
Decatur County scores 21/100 -- a figure rebuilt monthly rather than carried forward.
What does the flood-loss record look like in Decatur County?
Decatur County logged 0 NFIP flood claims over three years, $0 paid (about $0 each) - the kind of realized-loss record that reprices coverage and thins the carrier pool.
Why does DLRadar treat insurance distress as an early signal in Decatur County?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Decatur County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.