Phelps County, MO: Home-Insurance Distress & Forced-Sale Pressure
Phelps County, MO: 65/100 (elevated) home-insurance distress; Phelps, MO band MEDIUM; Phelps, MO #764 of 3,222 counties; Phelps, MO #11 of 115 in Missouri; raw Phelps, MO 69.4.
FEMA hazard, Phelps, MO: 52/100; Phelps, MO declarations, three years: 6; Phelps, MO perils: 6 severe-storm; Phelps, MO five-year count 6 (severity 12.0); Phelps, MO ten-year 6; hazard-weighted, Phelps, MO: 6.0.
Declared incidents on the Phelps, MO record: 2025 Severe Storm 6 (Phelps, MO).
NFIP claims, Phelps, MO, three years: 7; Phelps, MO payouts $401,820; per Phelps, MO claim $57,403; Phelps, MO claim-stress 85/100.
Phelps, MO monthly score fell, 77 (March 2026) to 70 (October 2026); Phelps, MO by month: March 77, April 77, May 74, June 74 (Phelps, MO), July 82, August 70, September 70, October 70.
Phelps, MO components: climate 60, NFIP claims 85; Phelps, MO retreat index 70.
Construction distress, Phelps, MO: 0/100 as of August 2026 (Phelps, MO: 0/100 one-to-four unit, 0/100 multifamily).
Phelps, MO ZIPs, June 2026 (Phelps, MO, 12 highest): score 0 (Phelps, MO), climate 61 (Phelps, MO): 65461; score 0 (Phelps, MO), climate 58 (Phelps, MO): 65542; score 0 (Phelps, MO), climate 57 (Phelps, MO): 65550; score 0 (Phelps, MO), climate 56 (Phelps, MO): 65409, 65436, 65449, 65529; score 0 (Phelps, MO), climate 55 (Phelps, MO): 65462; score 0 (Phelps, MO), climate 54 (Phelps, MO): 65401; score 0 (Phelps, MO), climate 53 (Phelps, MO): 65560; score 0 (Phelps, MO), climate 50 (Phelps, MO): 65559; score 0 (Phelps, MO), climate 42 (Phelps, MO): 65459.
DLRadar rescores Phelps, MO monthly; Phelps, MO readings join Phelps, MO foreclosure, lien and ownership parcels (Phelps, MO), so cost-squeezed Phelps, MO owners surface before listing.
Inside Missouri, Phelps County ranks 11th of 115 counties for home-insurance distress at 65/100; Crawford County (68/100) sits just above Phelps County, and Greene County (65/100) sits just below Phelps County.
Deterministic. Every Phelps County, MO signal traces to a public Phelps dataset (FEMA, NFIP, Census for Phelps, MO) · how insurance distress works in Phelps, MO · methodology
FAQ: Phelps County, MO insurance distress
What is the Phelps County, MO home-insurance-distress score?
Phelps, MO: 65/100 (MEDIUM), #764 of 3,222, #11 in Missouri. FEMA hazard, Phelps, MO: 52/100; NFIP stress, Phelps, MO: 85/100; construction, Phelps, MO: 0/100; Phelps, MO rescores monthly.
Is Phelps County insurance distress getting better or worse (MO)?
Phelps, MO: 77 in March 2026; Phelps, MO: 70 in October 2026 (better); Phelps, MO climate component 60; Phelps, MO NFIP claims score 85.
How many flood-insurance claims has Phelps County, MO had?
Phelps, MO: 7 NFIP claims, three years; Phelps, MO paid $401,820; per Phelps, MO claim $57,403; carriers reprice Phelps, MO against that record.
Which Phelps County ZIP codes carry the most insurance distress (MO)?
Phelps, MO, June 2026: 65461 at 0, 65542 at 0, 65550 at 0, 65409 at 0; Phelps, MO climate scores there: 61, 58, 57, 56.
Why does Phelps, MO insurance distress create sellers?
A Phelps, MO premium outruns the Phelps, MO budget; a carrier leaves Phelps, MO; Phelps, MO carrying cost passes plan; Phelps, MO owners sell while current; Phelps, MO insurance distress leads Phelps, MO foreclosure data.