Iron County, MO: Home-Insurance Distress & Forced-Sale Pressure
Iron County, Missouri carries a elevated home-insurance-distress reading of 67/100 — ranked #662 nationally, in the upper half of U.S. counties. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
Read as a targeting input, 67/100 puts Iron County #662 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
Hazard exposure of 51/100 alongside 92/100 in flood-claim stress is the combination that turns Iron County owners into insurance-motivated sellers.
Rebuild-cost inflation compounds it: construction-distress reads 13/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.
DLRadar re-scores Iron County every month against the latest FEMA, NFIP and carrier data, so 67/100 tracks the live market — not a snapshot frozen at some earlier point.
Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 92/100 over three years, all of which push carriers toward higher rates or non-renewal.
Over the trailing three years, Iron County recorded 340 NFIP flood claims totaling $7,461,752 paid (about $21,946 per claim) — the loss history that pushes premiums up and coverage out.
DLRadar does not treat 67/100 as a standalone number — the Iron County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. The result is early access to owners whose trigger is insurance rather than default.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Iron County insurance distress — FAQ
Is home insurance a problem for owners in Iron County, Missouri?
The current reading for Iron County is 67/100, derived deterministically from hazard, claim and carrier data.
How much has NFIP paid out in Iron County?
Iron County recorded 340 NFIP flood claims over the trailing three years, with $7,461,752 paid -- the loss record carriers price against.
Why is insurance distress a leading signal in Iron County?
Carriers repricing or withdrawing from Iron 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.