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

Ellsworth County, Kansas carries a low home-insurance-distress reading of 21/100 — ranked #2108 nationally, in the lower-risk band nationally. 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.

With construction distress at 44/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

The Ellsworth County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 21/100 reading reflects the current renewal environment rather than a historical average.

The federal flood record here -- 0 claims at roughly $0 each -- is the loss experience premiums are built on.

A #2108 national standing means little alone; DLRadar pairs Ellsworth County's coverage stress with default and ownership data before calling a parcel distressed.

Read together, a 41/100 hazard base and 0/100 flood-claim stress explain why Ellsworth County screens as a place where coverage cost, not the loan, is the likely sale trigger.

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.

For an acquisition buyer, a low reading of 21/100 in Ellsworth County is a targeting cue: it says a meaningful slice of local owners face a coverage bill rising faster than they planned for, and some will sell rather than absorb it.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. The payoff is early contact with insurance-pressured sellers, not late.