Mercer County, OH: Home-Insurance Distress & Forced-Sale Pressure
Mercer County, OH: 0/100 (low) home-insurance distress; Mercer, OH band ZERO; Mercer, OH #2,980 of 3,222 counties; Mercer, OH #80 of 88 in Ohio; Mercer, OH coverage multiplier 0.70.
FEMA hazard, Mercer, OH: 0/100; Mercer, OH declarations, three years: 2; Mercer, OH five-year count 3 (severity 4.5); Mercer, OH ten-year 3.
Declared incidents on the Mercer, OH record: 2024 Tornado 2 (Mercer, OH).
NFIP claims, Mercer, OH, three years: none; Mercer, OH claim-stress 0/100.
Mercer, OH monthly score: 0 in every month from March 2026 (Mercer, OH) through October 2026.
Mercer, OH components: all zero this month; Mercer, OH climate multiplier 0.70.
Construction distress, Mercer, OH: 46/100 as of August 2026 (Mercer, OH: 47/100 one-to-four unit, 11/100 multifamily).
Mercer, OH ZIPs, June 2026 (Mercer, OH, 16 highest): score 0 (Mercer, OH), climate 57 (Mercer, OH): 45388, 45887; score 0 (Mercer, OH), climate 56 (Mercer, OH): 45845; score 0 (Mercer, OH), climate 50 (Mercer, OH): 45865; score 0 (Mercer, OH), climate 48 (Mercer, OH): 45310; score 0 (Mercer, OH), climate 47 (Mercer, OH): 45869; score 0 (Mercer, OH), climate 46 (Mercer, OH): 45846, 45885; score 0 (Mercer, OH), climate 45 (Mercer, OH): 45883; score 0 (Mercer, OH), climate 44 (Mercer, OH): 45822, 45826, 45828, 45860, Mercer, OH 45862, 45866; score 0 (Mercer, OH), climate 43 (Mercer, OH): 45882.
DLRadar rescores Mercer, OH monthly; Mercer, OH readings join Mercer, OH foreclosure, lien and ownership parcels (Mercer, OH), so cost-squeezed Mercer, OH owners surface before listing.
Inside Ohio, Mercer County ranks 80th of 88 counties for home-insurance distress at 0/100; Madison County (0/100) sits just above Mercer County, and Morrow County (0/100) sits just below Mercer County.
Deterministic. Every Mercer County, OH signal traces to a public Mercer dataset (FEMA, NFIP, Census for Mercer, OH) · how insurance distress works in Mercer, OH · methodology
FAQ: Mercer County, OH insurance distress
What is the Mercer County, OH home-insurance-distress score?
Mercer, OH: 0/100 (ZERO), #2,980 of 3,222, #80 in Ohio. FEMA hazard, Mercer, OH: 0/100; NFIP stress, Mercer, OH: 0/100; construction, Mercer, OH: 46/100; Mercer, OH rescores monthly.
Is Mercer County insurance distress getting better or worse (OH)?
Mercer, OH: 0 in March 2026; Mercer, OH: 0 in October 2026 (unchanged).
Which Mercer County ZIP codes carry the most insurance distress (OH)?
Mercer, OH, June 2026: 45388 at 0, 45887 at 0, 45845 at 0, 45865 at 0; Mercer, OH climate scores there: 57, 57, 56, 50.
Why does Mercer, OH insurance distress create sellers?
A Mercer, OH premium outruns the Mercer, OH budget; a carrier leaves Mercer, OH; Mercer, OH carrying cost passes plan; Mercer, OH owners sell while current; Mercer, OH insurance distress leads Mercer, OH foreclosure data.