Polk County, MO: Home-Insurance Distress & Forced-Sale Pressure
Polk County, MO: 54/100 (elevated) home-insurance distress; Polk, MO band MEDIUM; Polk, MO #1,018 of 3,222 counties; Polk, MO #24 of 115 in Missouri.
FEMA hazard, Polk, MO: 40/100; Polk, MO declarations, three years: 2; Polk, MO perils: 2 severe-storm; hazard-weighted, Polk, MO: 2.0.
Declared incidents on the Polk, MO record: 2026 Severe Storm 2 (Polk, MO).
NFIP claims, Polk, MO, three years: 2; Polk, MO payouts $101,746; per Polk, MO claim $50,873; Polk, MO claim-stress 74/100.
Polk, MO monthly score rose, 32 (March 2026) to 57 (October 2026); Polk, MO by month: March 32, April 32, May 32, June 32 (Polk, MO), July 32, August 63, September 62, October 57.
Polk, MO components: climate 46, NFIP claims 74; Polk, MO retreat index 57.
Construction distress, Polk, MO: 88/100 as of August 2026 (Polk, MO: 90/100 one-to-four unit, 84/100 multifamily).
Polk, MO ZIPs, June 2026 (Polk, MO, 16 highest): score 0 (Polk, MO), climate 86 (Polk, MO): 65781; score 0 (Polk, MO), climate 71 (Polk, MO): 65648; score 0 (Polk, MO), climate 67 (Polk, MO): 65617, 65725, 65770; score 0 (Polk, MO), climate 53 (Polk, MO): 65613, 65663, 65710, 65727; score 0 (Polk, MO), climate 46 (Polk, MO): 65640; score 0 (Polk, MO), climate 42 (Polk, MO): 65601, 65685; score 0 (Polk, MO), climate 41 (Polk, MO): 65622; score 0 (Polk, MO), climate 39 (Polk, MO): 65649; score 0 (Polk, MO), climate 36 (Polk, MO): 65674; score 0 (Polk, MO), climate 35 (Polk, MO): 65650.
DLRadar rescores Polk, MO monthly; Polk, MO readings join Polk, MO foreclosure, lien and ownership parcels (Polk, MO), so cost-squeezed Polk, MO owners surface before listing.
Inside Missouri, Polk County ranks 24th of 115 counties for home-insurance distress at 54/100; Pemiscot County (54/100) sits just above Polk County, and Ste. Genevieve County (52/100) sits just below Polk County.
Deterministic. Every Polk County, MO signal traces to a public Polk dataset (FEMA, NFIP, Census for Polk, MO) · how insurance distress works in Polk, MO · methodology
FAQ: Polk County, MO insurance distress
What is the Polk County, MO home-insurance-distress score?
Polk, MO: 54/100 (MEDIUM), #1,018 of 3,222, #24 in Missouri. FEMA hazard, Polk, MO: 40/100; NFIP stress, Polk, MO: 74/100; construction, Polk, MO: 88/100; Polk, MO rescores monthly.
Is Polk County insurance distress getting better or worse (MO)?
Polk, MO: 32 in March 2026; Polk, MO: 57 in October 2026 (worse); Polk, MO climate component 46; Polk, MO NFIP claims score 74.
How many flood-insurance claims has Polk County, MO had?
Polk, MO: 2 NFIP claims, three years; Polk, MO paid $101,746; per Polk, MO claim $50,873; carriers reprice Polk, MO against that record.
Which Polk County ZIP codes carry the most insurance distress (MO)?
Polk, MO, June 2026: 65781 at 0, 65648 at 0, 65617 at 0, 65725 at 0; Polk, MO climate scores there: 86, 71, 67, 67.
Why does Polk, MO insurance distress create sellers?
A Polk, MO premium outruns the Polk, MO budget; a carrier leaves Polk, MO; Polk, MO carrying cost passes plan; Polk, MO owners sell while current; Polk, MO insurance distress leads Polk, MO foreclosure data.