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

Home-insurance pressure in Lyon County, Kansas is currently elevated — an insurance-distress score of 54/100, in the upper half of U.S. counties at #961 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

The pressure here is driven by a FEMA hazard score of 41/100; NFIP flood-claim stress of 74/100 over three years — the exposures carriers price against and increasingly decline to renew.

The 54/100 signal is only useful next to the rest: in Lyon County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.

A 4/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

For an acquisition buyer, a elevated reading of 54/100 in Lyon 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.

Because Lyon County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #961 national rank moves as conditions do.

Flood losses tell the story: 9 NFIP claims and $90,504 paid out over three years, averaging $10,056 apiece -- exactly the history that hardens rates.

Hazard exposure of 41/100 alongside 74/100 in flood-claim stress is the combination that turns Lyon County owners into insurance-motivated sellers.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Lyon County's score to on-the-ground foreclosure and ownership data. That surfaces the coverage-squeezed owners ahead of the market.