Howard County, NE: Home-Insurance Distress & Forced-Sale Pressure
Howard County, NE: 64/100 (elevated) home-insurance distress; Howard, NE band MEDIUM; Howard, NE #807 of 3,222 counties; Howard, NE #6 of 93 in Nebraska; raw Howard, NE 68.6.
FEMA hazard, Howard, NE: 63/100; Howard, NE declarations, three years: 12; Howard, NE perils: 9 severe-storm; Howard, NE five-year count 9 (severity 13.5); Howard, NE ten-year 9; hazard-weighted, Howard, NE: 9.0.
Declared incidents on the Howard, NE record: 2026 Severe Storm 3; 2024 Severe Storm 6 (Howard, NE); 2024 Tornado 3 (Howard, NE).
NFIP claims, Howard, NE, three years: 2; Howard, NE payouts $33,351; per Howard, NE claim $16,676; Howard, NE claim-stress 65/100.
Howard, NE monthly score rose, 66 (March 2026) to 69 (October 2026); Howard, NE by month: March 66, April 66, May 62, June 62 (Howard, NE), July 59, August 65, September 65, October 69.
Howard, NE components: climate 72, NFIP claims 65; Howard, NE retreat index 69.
Construction distress, Howard, NE: 9/100 as of August 2026 (Howard, NE: 9/100 one-to-four unit, 8/100 multifamily).
Howard, NE ZIPs, June 2026 (Howard, NE, 11 highest): score 0 (Howard, NE), climate 70 (Howard, NE): 68824; score 0 (Howard, NE), climate 36 (Howard, NE): 68872; score 0 (Howard, NE), climate 35 (Howard, NE): 68864; score 0 (Howard, NE), climate 34 (Howard, NE): 68831; score 0 (Howard, NE), climate 32 (Howard, NE): 68820, 68838, 68873; score 0 (Howard, NE), climate 31 (Howard, NE): 68835; score 0 (Howard, NE), climate 26 (Howard, NE): 68817; score 0 (Howard, NE), climate 23 (Howard, NE): 68882; score 0 (Howard, NE), climate 19 (Howard, NE): 68875.
DLRadar rescores Howard, NE monthly; Howard, NE readings join Howard, NE foreclosure, lien and ownership parcels (Howard, NE), so cost-squeezed Howard, NE owners surface before listing.
Inside Nebraska, Howard County ranks 6th of 93 counties for home-insurance distress at 64/100; Fillmore County (65/100) sits just above Howard County, and Sarpy County (57/100) sits just below Howard County.
Deterministic. Every Howard County, NE signal traces to a public Howard dataset (FEMA, NFIP, Census for Howard, NE) · how insurance distress works in Howard, NE · methodology
FAQ: Howard County, NE insurance distress
What is the Howard County, NE home-insurance-distress score?
Howard, NE: 64/100 (MEDIUM), #807 of 3,222, #6 in Nebraska. FEMA hazard, Howard, NE: 63/100; NFIP stress, Howard, NE: 65/100; construction, Howard, NE: 9/100; Howard, NE rescores monthly.
Is Howard County insurance distress getting better or worse (NE)?
Howard, NE: 66 in March 2026; Howard, NE: 69 in October 2026 (worse); Howard, NE climate component 72; Howard, NE NFIP claims score 65.
How many flood-insurance claims has Howard County, NE had?
Howard, NE: 2 NFIP claims, three years; Howard, NE paid $33,351; per Howard, NE claim $16,676; carriers reprice Howard, NE against that record.
Which Howard County ZIP codes carry the most insurance distress (NE)?
Howard, NE, June 2026: 68824 at 0, 68872 at 0, 68864 at 0, 68831 at 0; Howard, NE climate scores there: 70, 36, 35, 34.
Why does Howard, NE insurance distress create sellers?
A Howard, NE premium outruns the Howard, NE budget; a carrier leaves Howard, NE; Howard, NE carrying cost passes plan; Howard, NE owners sell while current; Howard, NE insurance distress leads Howard, NE foreclosure data.