Missouri Home-Insurance Distress by County

Home-insurance distress across Missouri is moderate but rising in pockets, with an average county insurance-distress score of 31/100 — the 19th-highest of the 52 states and territories DLRadar scores. DLRadar tracks all 115 Missouri counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

Missouri has 8 counties in the severe band (70+), concentrating the state's coverage crisis.

At the top of the Missouri table sits Scott County (84/100) and Howell County. The county-by-county breakdown below ranks every Missouri market by insurance distress, each linking to its full report.

Over three years, Missouri counties recorded 31,978 NFIP flood claims totaling $1,199,845,720 paid — the loss history insurers convert into higher premiums the next renewal.

For anyone sourcing acquisitions in Missouri, the value of a state-level insurance read is that it points to which counties to open first: a moderate but rising in pockets average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

The takeaway for Missouri is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

DLRadar re-scores every Missouri county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.

What Missouri's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two Missouri counties with similar weather can diverge sharply on distress.

Missouri's reading is built on an average FEMA hazard score of 34/100 and average NFIP flood-claim stress of 34/100; those are the risks behind rate hikes and non-renewals here.

Insurance pressure in Missouri is most useful read against the rest: DLRadar aligns it with foreclosure, lender-stress and ownership data county by county, separating owners squeezed only by premiums from those under broader strain.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces Missouri's insurance-squeezed sellers ahead of the market.