Harper County, KS: Home-Insurance Distress & Forced-Sale Pressure
Harper County, KS: 27/100 (moderate) home-insurance distress; Harper, KS band LOW; Harper, KS #1,726 of 3,222 counties; Harper, KS #50 of 105 in Kansas; raw Harper, KS 31.2; Harper, KS coverage multiplier 0.85.
FEMA hazard, Harper, KS: 52/100; Harper, KS declarations, three years: 4; Harper, KS perils: 4 severe-storm; Harper, KS five-year count 3 (severity 6.0); Harper, KS ten-year 3; hazard-weighted, Harper, KS: 4.0.
Declared incidents on the Harper, KS record: 2026 Severe Storm 3; 2025 Severe Storm 3 (Harper, KS).
NFIP claims, Harper, KS, three years: none; Harper, KS claim-stress 0/100.
Harper, KS monthly score rose, 26 (March 2026) to 30 (October 2026); Harper, KS by month: March 26, April 26, May 24, June 24 (Harper, KS), July 23, August 21, September 27, October 30.
Harper, KS components: climate 60; Harper, KS retreat index 30; Harper, KS climate multiplier 0.85.
Construction distress, Harper, KS: 5/100 as of August 2026 (Harper, KS: 0/100 one-to-four unit, 15/100 multifamily).
Harper, KS ZIPs, June 2026 (Harper, KS, 11 highest): score 0 (Harper, KS), climate 46 (Harper, KS): 67004; score 0 (Harper, KS), climate 41 (Harper, KS): 67118; score 0 (Harper, KS), climate 40 (Harper, KS): 67061; score 0 (Harper, KS), climate 35 (Harper, KS): 67159; score 0 (Harper, KS), climate 33 (Harper, KS): 67049; score 0 (Harper, KS), climate 32 (Harper, KS): 67018, 67058; score 0 (Harper, KS), climate 31 (Harper, KS): 67003, 67009, 67036, 67150.
DLRadar rescores Harper, KS monthly; Harper, KS readings join Harper, KS foreclosure, lien and ownership parcels (Harper, KS), so cost-squeezed Harper, KS owners surface before listing.
Inside Kansas, Harper County ranks 50th of 105 counties for home-insurance distress at 27/100; Greeley County (27/100) sits just above Harper County, and Osborne County (27/100) sits just below Harper County.
Deterministic. Every Harper County, KS signal traces to a public Harper dataset (FEMA, NFIP, Census for Harper, KS) · how insurance distress works in Harper, KS · methodology
FAQ: Harper County, KS insurance distress
What is the Harper County, KS home-insurance-distress score?
Harper, KS: 27/100 (LOW), #1,726 of 3,222, #50 in Kansas. FEMA hazard, Harper, KS: 52/100; NFIP stress, Harper, KS: 0/100; construction, Harper, KS: 5/100; Harper, KS rescores monthly.
Is Harper County insurance distress getting better or worse (KS)?
Harper, KS: 26 in March 2026; Harper, KS: 30 in October 2026 (worse); Harper, KS climate component 60.
Which Harper County ZIP codes carry the most insurance distress (KS)?
Harper, KS, June 2026: 67004 at 0, 67118 at 0, 67061 at 0, 67159 at 0; Harper, KS climate scores there: 46, 41, 40, 35.
Why does Harper, KS insurance distress create sellers?
A Harper, KS premium outruns the Harper, KS budget; a carrier leaves Harper, KS; Harper, KS carrying cost passes plan; Harper, KS owners sell while current; Harper, KS insurance distress leads Harper, KS foreclosure data.