Wilson County, KS: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Wilson County, Kansas reads elevated (61/100), in the upper half of U.S. counties — #835 nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
With construction distress at 27/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
Over the trailing three years, Wilson County recorded 15 NFIP flood claims totaling $960,661 paid (about $64,044 per claim) — the loss history that pushes premiums up and coverage out.
Read as a targeting input, 61/100 puts Wilson County #835 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
Put the 41/100 hazard reading next to 90/100 in flood-claim stress and the pattern is a county where owners exit over premiums.
Wilson County's 61/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #835 position shifts between updates.
Because coverage pressure seldom acts alone, Wilson County's 61/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.
The reading rests on a FEMA hazard score of 41/100; NFIP flood-claim stress of 90/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Wilson County.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Wilson County insurance distress — FAQ
What is the home-insurance-distress score for Wilson County, Kansas?
Wilson County scores 61/100 for home-insurance distress (MEDIUM), ranking #835 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (41/100), NFIP flood-claim stress (90/100) and carrier pressure, updated monthly from public federal data.
How much has flood insurance paid out in Wilson County?
Wilson County logged 15 NFIP flood claims over three years, $960,661 paid (about $64,044 each) - the kind of realized-loss record that reprices coverage and thins the carrier pool.
Why is insurance distress a leading signal in Wilson County?
Rising or unavailable coverage in Wilson County raises the true cost of holding a home, and once that cost crosses what an owner can carry, selling becomes the rational move - usually before foreclosure ever enters the picture. That lead time is exactly why DLRadar scores it.