Belmont County, OH: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Belmont County, Ohio is currently moderate — an insurance-distress score of 28/100, in the lower-risk band nationally at #1630 of the 3,222 U.S. counties DLRadar scores. More and more, it is the insurance bill rather than the mortgage that turns a Belmont County owner into a seller.

In practice, Belmont County's moderate insurance-distress level (28/100, #1630 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.

The 28/100 signal is only useful next to the rest: in Belmont County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.

Belmont County's 28/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #1630 position shifts between updates.

The county's three-year flood-loss ledger — 12 claims, $288,875 paid (~$24,073/claim) — is the evidence carriers use to justify higher rates or withdrawal.

Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 82/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

Hazard exposure of 0/100 alongside 82/100 in flood-claim stress is the combination that turns Belmont County owners into insurance-motivated sellers.

Rebuild-cost inflation compounds it: construction-distress reads 2/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

The nationwide monthly build covers all 3,222 counties and connects Belmont County reading to real foreclosure, tax-lien and ownership records. The result is early access to owners whose trigger is insurance rather than default.