Benton County, OR: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Benton County, Oregon reads elevated (48/100), in the upper half of U.S. counties — #1066 nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
Over the trailing three years, Benton County recorded 2 NFIP flood claims totaling $1,500 paid (about $750 per claim) — the loss history that pushes premiums up and coverage out.
Put the 41/100 hazard reading next to 57/100 in flood-claim stress and the pattern is a county where owners exit over premiums.
Rebuilding is expensive in this market -- 1/100 on construction distress -- and coverage is priced off exactly that number.
What 48/100 means on the ground in Benton 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.
On its own 48/100 is half a picture, so Benton County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
Driving it: a FEMA hazard score of 41/100; NFIP flood-claim stress of 57/100 over three years, all of which push carriers toward higher rates or non-renewal.
DLRadar re-scores Benton County every month against the latest FEMA, NFIP and carrier data, so 48/100 tracks the live market — not a snapshot frozen at some earlier point.
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. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Benton County insurance distress — FAQ
What is the home-insurance-distress score for Benton County, Oregon?
On the insurance-distress measure Benton County comes in at 48/100, recomputed every month from federal and carrier sources.
What is the flood-claim history in Benton County?
Over the trailing three years, Benton County recorded 2 NFIP flood claims with $1,500 paid out, roughly $750 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why do premium increases create listings in Benton County?
Carriers repricing or withdrawing from Benton County push total cost of ownership up without warning. Affected owners frequently sell pre-emptively, which is precisely the window DLRadar is trying to catch.