Graham County, KS: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Graham County, Kansas is currently low — an insurance-distress score of 21/100, in the lower-risk band nationally at #2111 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.
Because Graham County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #2111 national rank moves as conditions do.
A low level of 21/100 in Graham County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
With construction distress at 12/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
Taken with the county's foreclosure and lien record, 21/100 tells you whether Graham County owners face a coverage problem or a solvency problem — the two need different outreach.
Put the 41/100 hazard reading next to 0/100 in flood-claim stress and the pattern is a county where owners exit over premiums.
What lifts Graham County's reading is a FEMA hazard score of 41/100; NFIP flood-claim stress of 0/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
The federal flood record here -- 0 claims at roughly $0 each -- is the loss experience premiums are built on.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Graham County insurance distress — FAQ
Is home insurance a problem for owners in Graham County, Kansas?
The current reading for Graham County is 21/100, derived deterministically from hazard, claim and carrier data.
How much has flood insurance paid out in Graham County?
Across three years Graham County logged 0 NFIP claims at about $0 each.
Why does DLRadar treat insurance distress as an early signal in Graham County?
Rising or unavailable coverage in Graham County raises the true cost of holding a home, and once that cost crosses what an owner can carry, selling becomes the rational move - usually before foreclosure ever enters the picture. That lead time is exactly why DLRadar scores it.