Ness County, KS: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Ness County, Kansas at 33/100 for home-insurance distress, a moderate level that places it #1473 of 3,222 counties, in the upper half of U.S. counties. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
For a buyer, Ness County at 33/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.
Construction distress sits at 86/100, so the replacement cost insurers underwrite against is elevated here.
The federal flood record here -- 0 claims at roughly $0 each -- is the loss experience premiums are built on.
Ness County's 33/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #1473 position shifts between updates.
Behind the score sit a FEMA hazard score of 64/100; NFIP flood-claim stress of 0/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
It is the combination -- 64/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
Insurance distress rarely travels by itself, so DLRadar aligns Ness County's 33/100 with foreclosure, lien and ownership records — separating owners squeezed only by coverage from those under broader strain.
DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. The result is early access to owners whose trigger is insurance rather than default.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Ness County insurance distress — FAQ
What is the home-insurance-distress score for Ness County, Kansas?
DLRadar grades Ness County at 33/100 - LOW, #1473 of 3,222 U.S. counties. It combines FEMA hazard (64/100), three-year NFIP flood-claim stress (0/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What does the flood-loss record look like in Ness County?
Ness County logged 0 NFIP flood claims over three years, $0 paid (about $0 each) - the kind of realized-loss record that reprices coverage and thins the carrier pool.
Why does DLRadar treat insurance distress as an early signal in Ness County?
A premium that outpaces the budget -- or a carrier that stops writing in Ness County altogether -- lifts carrying cost past what the owner planned for. Selling becomes the rational response, and it typically happens before any default appears in the record, which is why the signal leads rather than lags.