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

Home-insurance pressure in Nemaha County, Kansas is currently elevated — an insurance-distress score of 48/100, in the upper half of U.S. counties at #1054 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 reading rests on a FEMA hazard score of 41/100; NFIP flood-claim stress of 59/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Nemaha County.

Over the trailing three years, Nemaha County recorded 1 NFIP flood claims totaling $10,906 paid (about $10,906 per claim) — the loss history that pushes premiums up and coverage out.

Nemaha County's 48/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #1054 position shifts between updates.

For an acquisition buyer, a elevated reading of 48/100 in Nemaha 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.

Put the 41/100 hazard reading next to 59/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

The 48/100 signal is only useful next to the rest: in Nemaha 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.

Construction distress sits at 83/100, so the replacement cost insurers underwrite against is elevated here.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Nemaha County's score to on-the-ground foreclosure and ownership data. The point is reaching those owners while carrying cost is still the problem, not after the filing.