Ste. Genevieve County, MO: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Ste. Genevieve County, Missouri reads elevated (61/100), in the upper half of U.S. counties — #829 nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
204 NFIP claims, $4,390,745 paid in three years is the documented loss history behind coverage cost in Ste. Genevieve County.
It is the combination -- 41/100 hazard, 91/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
What 61/100 means on the ground in Ste. Genevieve 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.
Taken with the county's foreclosure and lien record, 61/100 tells you whether Ste. Genevieve County owners face a coverage problem or a solvency problem — the two need different outreach.
Because Ste. Genevieve County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #829 national rank moves as conditions do.
Driving it: a FEMA hazard score of 41/100; NFIP flood-claim stress of 91/100 over three years, all of which push carriers toward higher rates or non-renewal.
Rebuild-cost inflation compounds it: construction-distress reads 22/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Ste. Genevieve County insurance distress — FAQ
How severe is home-insurance pressure in Ste. Genevieve County, Missouri?
The home-insurance-distress reading for Ste. Genevieve County is 61/100 (ranked #829 nationally), a MEDIUM level. FEMA hazard at 41/100, NFIP flood losses at 91/100 and carrier pullback drive it, and it updates every month from public data.
How much has NFIP paid out in Ste. Genevieve County?
Ste. Genevieve County recorded 204 NFIP flood claims over the trailing three years, with $4,390,745 paid -- the loss record carriers price against.
How does carrying cost push Ste. Genevieve County owners to sell?
A premium that outpaces the budget -- or a carrier that stops writing in Ste. Genevieve County altogether -- lifts carrying cost past what the owner planned for. Selling becomes the rational response, and it typically happens before any default appears in the record, which is why the signal leads rather than lags.