Miami County, OH: Home-Insurance Distress & Forced-Sale Pressure
Miami County, OH: 26/100 (moderate) home-insurance distress; Miami, OH band LOW; Miami, OH #1,857 of 3,222 counties; Miami, OH #21 of 88 in Ohio; raw Miami, OH 30.8; Miami, OH coverage multiplier 0.85.
FEMA hazard, Miami, OH: 0/100; Miami, OH declarations, three years: 3; Miami, OH five-year count 3 (severity 4.5); Miami, OH ten-year 3.
Declared incidents on the Miami, OH record: 2024 Tornado 2 (Miami, OH).
NFIP claims, Miami, OH, three years: 3; Miami, OH payouts $139,658; per Miami, OH claim $46,553; Miami, OH claim-stress 77/100.
Miami, OH monthly score rose, 20 (March 2026) to 26 (October 2026); Miami, OH by month: March 20, April 20, May 20, June 20 (Miami, OH), July 20, August 20, September 20, October 26.
Miami, OH components: NFIP claims 77; Miami, OH retreat index 26; Miami, OH climate multiplier 0.85.
Construction distress, Miami, OH: 44/100 as of August 2026 (Miami, OH: 37/100 one-to-four unit, 77/100 multifamily).
Miami, OH ZIPs, June 2026 (Miami, OH, 16 highest): score 0 (Miami, OH), climate 91 (Miami, OH): 45309; score 0 (Miami, OH), climate 90 (Miami, OH): 45424; score 0 (Miami, OH), climate 87 (Miami, OH): 45322; score 0 (Miami, OH), climate 74 (Miami, OH): 45344; score 0 (Miami, OH), climate 68 (Miami, OH): 45371; score 0 (Miami, OH), climate 66 (Miami, OH): 45312, 45318, 45326, 45339, Miami, OH 45359, 45361, 45373, 45383; score 0 (Miami, OH), climate 65 (Miami, OH): 45356; score 0 (Miami, OH), climate 63 (Miami, OH): 45337; score 0 (Miami, OH), climate 59 (Miami, OH): 45308.
DLRadar rescores Miami, OH monthly; Miami, OH readings join Miami, OH foreclosure, lien and ownership parcels (Miami, OH), so cost-squeezed Miami, OH owners surface before listing.
Inside Ohio, Miami County ranks 21st of 88 counties for home-insurance distress at 26/100; Stark County (26/100) sits just above Miami County, and Greene County (26/100) sits just below Miami County.
Deterministic. Every Miami County, OH signal traces to a public Miami dataset (FEMA, NFIP, Census for Miami, OH) · how insurance distress works in Miami, OH · methodology
FAQ: Miami County, OH insurance distress
What is the Miami County, OH home-insurance-distress score?
Miami, OH: 26/100 (LOW), #1,857 of 3,222, #21 in Ohio. FEMA hazard, Miami, OH: 0/100; NFIP stress, Miami, OH: 77/100; construction, Miami, OH: 44/100; Miami, OH rescores monthly.
Is Miami County insurance distress getting better or worse (OH)?
Miami, OH: 20 in March 2026; Miami, OH: 26 in October 2026 (worse); Miami, OH NFIP claims score 77.
How many flood-insurance claims has Miami County, OH had?
Miami, OH: 3 NFIP claims, three years; Miami, OH paid $139,658; per Miami, OH claim $46,553; carriers reprice Miami, OH against that record.
Which Miami County ZIP codes carry the most insurance distress (OH)?
Miami, OH, June 2026: 45309 at 0, 45424 at 0, 45322 at 0, 45344 at 0; Miami, OH climate scores there: 91, 90, 87, 74.
Why does Miami, OH insurance distress create sellers?
A Miami, OH premium outruns the Miami, OH budget; a carrier leaves Miami, OH; Miami, OH carrying cost passes plan; Miami, OH owners sell while current; Miami, OH insurance distress leads Miami, OH foreclosure data.