Stevens County, KS: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Stevens County, Kansas reads low (21/100), in the lower-risk band nationally — #2128 nationally. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.
Stevens County's 21/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
Each month new hazard revisions and claim settlements refresh Stevens County, keeping its insurance-distress score aligned with the live market.
A 100/100 construction-distress score means repair and replacement economics are working against affordability of coverage.
On its own 21/100 is half a picture, so Stevens County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
What lifts Stevens County's reading is a FEMA hazard score of 41/100; NFIP flood-claim stress of 0/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
Hazard exposure of 41/100 alongside 0/100 in flood-claim stress is the combination that turns Stevens County owners into insurance-motivated sellers.
With 0 flood claims and $0 in payouts on the three-year record, Stevens County gives underwriters a concrete reason to reprice or exit.
The nationwide monthly build covers all 3,222 counties and connects Stevens County reading to real foreclosure, tax-lien and ownership records. That is how coverage-pressured owners surface before they reach the open market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Stevens County insurance distress — FAQ
What is the home-insurance-distress score for Stevens County, Kansas?
Stevens County scores 21/100 for home-insurance distress (LOW), ranking #2128 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (41/100), NFIP flood-claim stress (0/100) and carrier pressure, updated monthly from public federal data.
How much has flood insurance paid out in Stevens County?
Over the trailing three years, Stevens 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.
What links coverage pressure to motivated sellers in Stevens County?
Carriers repricing or withdrawing from Stevens County push total cost of ownership up without warning. Affected owners frequently sell pre-emptively, which is precisely the window DLRadar is trying to catch.