Dukes County, MA: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Dukes County, Massachusetts is currently moderate — an insurance-distress score of 25/100, in the lower-risk band nationally at #1916 of the 3,222 U.S. counties DLRadar scores. More and more, it is the insurance bill rather than the mortgage that turns a Dukes County owner into a seller.
Over the trailing three years, Dukes County recorded 5 NFIP flood claims totaling $67,199 paid (about $13,440 per claim) — the loss history that pushes premiums up and coverage out.
The Dukes County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 25/100 reading reflects the current renewal environment rather than a historical average.
Replacement economics add to the squeeze — a 6/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 72/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
Put the 0/100 hazard reading next to 72/100 in flood-claim stress and the pattern is a county where owners exit over premiums.
A moderate level of 25/100 in Dukes County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
Insurance distress rarely travels by itself, so DLRadar aligns Dukes County's 25/100 with foreclosure, lien and ownership records — separating owners squeezed only by coverage from those under broader strain.
The nationwide monthly build covers all 3,222 counties and connects Dukes County reading to real foreclosure, tax-lien and ownership records. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Dukes County insurance distress — FAQ
How severe is home-insurance pressure in Dukes County, Massachusetts?
The current reading for Dukes County is 25/100, derived deterministically from hazard, claim and carrier data.
How much has flood insurance paid out in Dukes County?
Over the trailing three years, Dukes County recorded 5 NFIP flood claims with $67,199 paid out, roughly $13,440 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 Dukes County?
When premiums in Dukes County rise faster than owners budgeted - or carriers stop writing policies altogether - the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.