Darke County, OH: Home-Insurance Distress & Forced-Sale Pressure
Darke County, OH: 5/100 (low) home-insurance distress; Darke, OH band LOW; Darke, OH #2,475 of 3,222 counties; Darke, OH #58 of 88 in Ohio; raw Darke, OH 6.1; Darke, OH coverage multiplier 0.85.
FEMA hazard, Darke, OH: 0/100; Darke, OH declarations, three years: 3; Darke, OH five-year count 3 (severity 4.5); Darke, OH ten-year 3.
Declared incidents on the Darke, OH record: 2024 Tornado 2 (Darke, OH).
NFIP claims, Darke, OH, three years: 1; Darke, OH payouts $0; per Darke, OH claim $0; Darke, OH claim-stress 15/100.
Darke, OH monthly score fell, 6 (March 2026) to 5 (October 2026); Darke, OH by month: March 6, April 6, May 5, June 5 (Darke, OH), July 5, August 5, September 5, October 5.
Darke, OH components: NFIP claims 15; Darke, OH retreat index 5; Darke, OH climate multiplier 0.85.
Construction distress, Darke, OH: 49/100 as of August 2026 (Darke, OH: 62/100 one-to-four unit, 3/100 multifamily).
Darke, OH ZIPs, June 2026 (Darke, OH, 16 highest): score 0 (Darke, OH), climate 91 (Darke, OH): 45309; score 0 (Darke, OH), climate 66 (Darke, OH): 45318; score 0 (Darke, OH), climate 63 (Darke, OH): 45337; score 0 (Darke, OH), climate 59 (Darke, OH): 45308; score 0 (Darke, OH), climate 57 (Darke, OH): 45303, 45304, 45328, 45331, Darke, OH 45332, 45346, 45348, 45350, Darke, OH 45351, 45352, 45358, 45362.
DLRadar rescores Darke, OH monthly; Darke, OH readings join Darke, OH foreclosure, lien and ownership parcels (Darke, OH), so cost-squeezed Darke, OH owners surface before listing.
Inside Ohio, Darke County ranks 58th of 88 counties for home-insurance distress at 5/100; Champaign County (5/100) sits just above Darke County, and Delaware County (5/100) sits just below Darke County.
Deterministic. Every Darke County, OH signal traces to a public Darke dataset (FEMA, NFIP, Census for Darke, OH) · how insurance distress works in Darke, OH · methodology
FAQ: Darke County, OH insurance distress
What is the Darke County, OH home-insurance-distress score?
Darke, OH: 5/100 (LOW), #2,475 of 3,222, #58 in Ohio. FEMA hazard, Darke, OH: 0/100; NFIP stress, Darke, OH: 15/100; construction, Darke, OH: 49/100; Darke, OH rescores monthly.
Is Darke County insurance distress getting better or worse (OH)?
Darke, OH: 6 in March 2026; Darke, OH: 5 in October 2026 (better); Darke, OH NFIP claims score 15.
How many flood-insurance claims has Darke County, OH had?
Darke, OH: 1 NFIP claims, three years; Darke, OH paid $0; per Darke, OH claim $0; carriers reprice Darke, OH against that record.
Which Darke County ZIP codes carry the most insurance distress (OH)?
Darke, OH, June 2026: 45309 at 0, 45318 at 0, 45337 at 0, 45308 at 0; Darke, OH climate scores there: 91, 66, 63, 59.
Why does Darke, OH insurance distress create sellers?
A Darke, OH premium outruns the Darke, OH budget; a carrier leaves Darke, OH; Darke, OH carrying cost passes plan; Darke, OH owners sell while current; Darke, OH insurance distress leads Darke, OH foreclosure data.