Pulaski County, MO: Home-Insurance Distress & Forced-Sale Pressure

DLRadar grades Pulaski County, Missouri at 64/100 for home-insurance distress, an elevated level that places it #752 of 3,222 counties, in the upper half of U.S. counties. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

On its own 64/100 is half a picture, so Pulaski County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.

Driving it: a FEMA hazard score of 41/100; NFIP flood-claim stress of 98/100 over three years, all of which push carriers toward higher rates or non-renewal.

544 NFIP claims, $33,624,677 paid in three years is the documented loss history behind coverage cost in Pulaski County.

Because premiums track rebuild cost, a 15/100 construction-distress reading in Pulaski County feeds straight through to what owners are quoted.

It is the combination -- 41/100 hazard, 98/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

In practice, Pulaski County's elevated insurance-distress level (64/100, #752 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.

Pulaski County's 64/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #752 position shifts between updates.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. The point is reaching those owners while carrying cost is still the problem, not after the filing.