Warren County, OH: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Warren County, Ohio reads low (22/100), in the lower-risk band nationally — #2058 nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
The reading rests on a FEMA hazard score of 0/100; NFIP flood-claim stress of 63/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Warren County.
Because premiums track rebuild cost, a 35/100 construction-distress reading in Warren County feeds straight through to what owners are quoted.
Read together, a 0/100 hazard base and 63/100 flood-claim stress explain why Warren County screens as a place where coverage cost, not the loan, is the likely sale trigger.
For an acquisition buyer, a low reading of 22/100 in Warren 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.
Over the trailing three years, Warren County recorded 3 NFIP flood claims totaling $13,723 paid (about $4,574 per claim) — the loss history that pushes premiums up and coverage out.
On its own 22/100 is half a picture, so Warren County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
Each month new hazard revisions and claim settlements refresh Warren County, keeping its insurance-distress score aligned with the live market.
DLRadar rebuilds insurance distress nationwide each month and wires Warren County score into the parcel-level foreclosure and ownership graph. The point is reaching those owners while carrying cost is still the problem, not after the filing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Warren County insurance distress — FAQ
What is the home-insurance-distress score for Warren County, Ohio?
On the insurance-distress measure Warren County comes in at 22/100, recomputed every month from federal and carrier sources.
How much has flood insurance paid out in Warren County?
In the last three years NFIP settled 3 flood claims in Warren County totaling $13,723, near $4,574 per claim. Insurers read that ledger directly into premiums and renewal decisions.
How does insurance cost turn into seller supply in Warren County?
In Warren County, a coverage bill that outruns the owner's budget - or a carrier that simply exits - can push total carrying cost past the breaking point. Those owners frequently sell ahead of any missed payment, so insurance distress works as an early, upstream read on future seller supply.