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

Home-insurance pressure in Brown County, Ohio is currently moderate — an insurance-distress score of 26/100, in the lower-risk band nationally at #1897 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

What lifts Brown County's reading is a FEMA hazard score of 0/100; NFIP flood-claim stress of 75/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.

A moderate level of 26/100 in Brown County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

A 26/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

Flood losses tell the story: 2 NFIP claims and $100,751 paid out over three years, averaging $50,375 apiece -- exactly the history that hardens rates.

Because Brown County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1897 national rank moves as conditions do.

DLRadar does not treat 26/100 as a standalone number — the Brown County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

The gap between physical hazard (0/100) and realized flood losses (75/100) is what DLRadar watches to flag insurance-driven sellers in Brown County.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.