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

Pike County, Ohio carries a low home-insurance-distress reading of 24/100 — ranked #1957 nationally, in the lower-risk band nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 70/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

For a buyer, Pike County at 24/100 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.

Rebuild-cost inflation compounds it: construction-distress reads 35/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

Pike County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.

Taken with the county's foreclosure and lien record, 24/100 tells you whether Pike County owners face a coverage problem or a solvency problem — the two need different outreach.

Over the trailing three years, Pike County recorded 5 NFIP flood claims totaling $47,808 paid (about $9,562 per claim) — the loss history that pushes premiums up and coverage out.

Read together, a 0/100 hazard base and 70/100 flood-claim stress explain why Pike County screens as a place where coverage cost, not the loan, is the likely sale trigger.

DLRadar rebuilds insurance distress nationwide each month and wires Pike County score into the parcel-level foreclosure and ownership graph. That surfaces the coverage-squeezed owners ahead of the market.