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

Montgomery County, Ohio carries a moderate home-insurance-distress reading of 27/100 — ranked #1681 nationally, in the lower-risk band nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

Flood losses tell the story: 6 NFIP claims and $144,021 paid out over three years, averaging $24,004 apiece -- exactly the history that hardens rates.

Driving it: a FEMA hazard score of 0/100; NFIP flood-claim stress of 78/100 over three years, all of which push carriers toward higher rates or non-renewal.

The gap between physical hazard (0/100) and realized flood losses (78/100) is what DLRadar watches to flag insurance-driven sellers in Montgomery County.

Because Montgomery County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1681 national rank moves as conditions do.

For a buyer, Montgomery County at 27/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.

Construction distress sits at 48/100, so the replacement cost insurers underwrite against is elevated here.

Because coverage pressure seldom acts alone, Montgomery County's 27/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.

One model, every county, refreshed monthly from federal hazard and carrier data, tied back to individual parcels and their liens. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.