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

Home-insurance pressure in Scioto County, Ohio is currently moderate — an insurance-distress score of 26/100, in the lower-risk band nationally at #1889 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

For an acquisition buyer, a moderate reading of 26/100 in Scioto County is a targeting cue: it says a meaningful slice of local owners face a coverage bill rising faster than they planned for, and some will sell rather than absorb it.

Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 76/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

Scioto County's 26/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #1889 position shifts between updates.

Because coverage pressure seldom acts alone, Scioto County's 26/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.

Three years of NFIP activity in Scioto County comes to 9 claims worth $113,805, and that ledger is what carriers price against.

Construction distress sits at 6/100, so the replacement cost insurers underwrite against is elevated here.

Put the 0/100 hazard reading next to 76/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.