Otoe County, NE: Home-Insurance Distress & Forced-Sale Pressure
Otoe County, NE: 0/100 (low) home-insurance distress; Otoe, NE band ZERO; Otoe, NE #2,890 of 3,222 counties; Otoe, NE #81 of 93 in Nebraska; Otoe, NE coverage multiplier 0.70.
FEMA hazard, Otoe, NE: 0/100; Otoe, NE declarations, three years: 2; Otoe, NE five-year count 3 (severity 6.0); Otoe, NE ten-year 3.
Declared incidents on the Otoe, NE record: 2025 Winter Storm 3 (Otoe, NE).
NFIP claims, Otoe, NE, three years: none; Otoe, NE claim-stress 0/100.
Otoe, NE monthly score: 0 in every month from March 2026 (Otoe, NE) through October 2026.
Otoe, NE components: all zero this month; Otoe, NE climate multiplier 0.70.
Construction distress, Otoe, NE: 49/100 as of August 2026 (Otoe, NE: 48/100 one-to-four unit, 25/100 multifamily).
Otoe, NE ZIPs, June 2026 (Otoe, NE, 16 highest): score 0 (Otoe, NE), climate 84 (Otoe, NE): 68317; score 0 (Otoe, NE), climate 52 (Otoe, NE): 68301; score 0 (Otoe, NE), climate 40 (Otoe, NE): 68455; score 0 (Otoe, NE), climate 39 (Otoe, NE): 68413; score 0 (Otoe, NE), climate 37 (Otoe, NE): 68347; score 0 (Otoe, NE), climate 35 (Otoe, NE): 68307; score 0 (Otoe, NE), climate 29 (Otoe, NE): 68344, 68346, 68382, 68410, Otoe, NE 68417, 68418, 68446, 68454; score 0 (Otoe, NE), climate 27 (Otoe, NE): 68324, 68379.
DLRadar rescores Otoe, NE monthly; Otoe, NE readings join Otoe, NE foreclosure, lien and ownership parcels (Otoe, NE), so cost-squeezed Otoe, NE owners surface before listing.
Inside Nebraska, Otoe County ranks 81st of 93 counties for home-insurance distress at 0/100; Madison County (0/100) sits just above Otoe County, and Pawnee County (0/100) sits just below Otoe County.
Deterministic. Every Otoe County, NE signal traces to a public Otoe dataset (FEMA, NFIP, Census for Otoe, NE) · how insurance distress works in Otoe, NE · methodology
FAQ: Otoe County, NE insurance distress
What is the Otoe County, NE home-insurance-distress score?
Otoe, NE: 0/100 (ZERO), #2,890 of 3,222, #81 in Nebraska. FEMA hazard, Otoe, NE: 0/100; NFIP stress, Otoe, NE: 0/100; construction, Otoe, NE: 49/100; Otoe, NE rescores monthly.
Is Otoe County insurance distress getting better or worse (NE)?
Otoe, NE: 0 in March 2026; Otoe, NE: 0 in October 2026 (unchanged).
Which Otoe County ZIP codes carry the most insurance distress (NE)?
Otoe, NE, June 2026: 68317 at 0, 68301 at 0, 68455 at 0, 68413 at 0; Otoe, NE climate scores there: 84, 52, 40, 39.
Why does Otoe, NE insurance distress create sellers?
A Otoe, NE premium outruns the Otoe, NE budget; a carrier leaves Otoe, NE; Otoe, NE carrying cost passes plan; Otoe, NE owners sell while current; Otoe, NE insurance distress leads Otoe, NE foreclosure data.