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

Home-insurance pressure in Lucas County, Ohio is currently low — an insurance-distress score of 22/100, in the lower-risk band nationally at #2001 of the 3,222 U.S. counties DLRadar scores. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

NFIP paid $15,226 across 6 Lucas County flood claims in three years, roughly $2,538 each; that record is what reprices coverage.

The gap between physical hazard (0/100) and realized flood losses (66/100) is what DLRadar watches to flag insurance-driven sellers in Lucas County.

Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 66/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

Taken with the county's foreclosure and lien record, 22/100 tells you whether Lucas County owners face a coverage problem or a solvency problem — the two need different outreach.

Lucas County's 22/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

The Lucas County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 22/100 reading reflects the current renewal environment rather than a historical average.

Replacement economics add to the squeeze — a 61/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.

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