Dunklin County, MO: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Dunklin County, Missouri is currently elevated — an insurance-distress score of 68/100, in the upper half of U.S. counties at #637 of the 3,222 U.S. counties DLRadar scores. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.
Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 95/100 over three years, all of which push carriers toward higher rates or non-renewal.
The county's three-year flood-loss ledger — 204 claims, $8,302,884 paid (~$40,700/claim) — is the evidence carriers use to justify higher rates or withdrawal.
Dunklin County's 68/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #637 position shifts between updates.
Physical exposure at 51/100 and claim experience at 95/100 together mark Dunklin County as a market where coverage, not the mortgage, forces the sale.
What 68/100 means on the ground in Dunklin County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.
The 68/100 signal is only useful next to the rest: in Dunklin County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.
A 43/100 construction-distress score means repair and replacement economics are working against affordability of coverage.
The nationwide monthly build covers all 3,222 counties and connects Dunklin County reading to real foreclosure, tax-lien and ownership records. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Dunklin County insurance distress — FAQ
How severe is home-insurance pressure in Dunklin County, Missouri?
DLRadar grades Dunklin County at 68/100 - MEDIUM, #637 of 3,222 U.S. counties. It combines FEMA hazard (51/100), three-year NFIP flood-claim stress (95/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What does the flood-loss record look like in Dunklin County?
Dunklin County recorded 204 NFIP flood claims over the trailing three years, with $8,302,884 paid -- the loss record carriers price against.
Why is insurance distress a leading signal in Dunklin County?
In Dunklin County, a coverage bill that outruns the owner's budget - or a carrier that simply exits - can push total carrying cost past the breaking point. Those owners frequently sell ahead of any missed payment, so insurance distress works as an early, upstream read on future seller supply.