Phillips County, KS: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Phillips County, Kansas at 21/100 for home-insurance distress, a low level that places it #2110 of 3,222 counties, in the lower-risk band nationally. More and more, it is the insurance bill rather than the mortgage that turns a Phillips County owner into a seller.
The reading rests on a FEMA hazard score of 41/100; NFIP flood-claim stress of 0/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Phillips County.
0 NFIP claims, $0 paid in three years is the documented loss history behind coverage cost in Phillips County.
Read as a targeting input, 21/100 puts Phillips County #2110 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
On its own 21/100 is half a picture, so Phillips County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
Insurers set premiums from replacement cost, and at 40/100 that input is running hot in Phillips County.
The Phillips County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.
Hazard 41/100 plus flood-claim stress 0/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Phillips County.
DLRadar rebuilds insurance distress nationwide each month and wires Phillips County score into the parcel-level foreclosure and ownership graph. 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
Phillips County insurance distress — FAQ
How severe is home-insurance pressure in Phillips County, Kansas?
On the insurance-distress measure Phillips County comes in at 21/100, recomputed every month from federal and carrier sources.
How much has flood insurance paid out in Phillips County?
Over the trailing three years, Phillips County recorded 0 NFIP flood claims with $0 paid out, roughly $0 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
How does home-insurance pressure produce motivated sellers in Phillips County?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Phillips County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.