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

Insurance distress in Summit County, Ohio reads moderate (31/100), in the lower-risk band nationally — #1545 nationally. More and more, it is the insurance bill rather than the mortgage that turns a Summit County owner into a seller.

DLRadar re-scores Summit County every month against the latest FEMA, NFIP and carrier data, so 31/100 tracks the live market — not a snapshot frozen at some earlier point.

What 31/100 means on the ground in Summit County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.

Driving it: a FEMA hazard score of 0/100; NFIP flood-claim stress of 91/100 over three years, all of which push carriers toward higher rates or non-renewal.

Over the trailing three years, Summit County recorded 49 NFIP flood claims totaling $1,804,232 paid (about $36,821 per claim) — the loss history that pushes premiums up and coverage out.

On its own 31/100 is half a picture, so Summit County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.

Physical exposure at 0/100 and claim experience at 91/100 together mark Summit County as a market where coverage, not the mortgage, forces the sale.

Replacement economics add to the squeeze — a 93/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.

Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. It turns a premium shock into a contactable seller list ahead of the listing.