Charles Mix County, SD: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Charles Mix County, South Dakota at 26/100 for home-insurance distress, a moderate level that places it #1813 of 3,222 counties, 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.
DLRadar reads Charles Mix County's 26/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.
Read as a targeting input, 26/100 puts Charles Mix County #1813 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
The pressure here is driven by a FEMA hazard score of 51/100; NFIP flood-claim stress of 0/100 over three years; 1 flood federal disaster declaration in three years — the exposures carriers price against and increasingly decline to renew.
Monthly rebuilds keep Charles Mix County honest: 26/100 reflects the renewal environment carriers are pricing right now.
Over the trailing three years, Charles Mix County recorded 0 NFIP flood claims totaling $0 paid (about $0 per claim) — the loss history that pushes premiums up and coverage out.
The county risk profile leans heavily on flood, the hazard behind most of its recent federal declarations.
A 51/100 hazard base sitting alongside 0/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
Because premiums track rebuild cost, a 0/100 construction-distress reading in Charles Mix County feeds straight through to what owners are quoted.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. 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
Charles Mix County insurance distress — FAQ
How bad is home-insurance distress in Charles Mix County, South Dakota?
DLRadar grades Charles Mix County at 26/100 - LOW, #1813 of 3,222 U.S. counties. It combines FEMA hazard (51/100), three-year NFIP flood-claim stress (0/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What is Charles Mix County three-year flood-claim total?
0 flood claims totalling $0 were filed in Charles Mix County over the last three years.
What links coverage pressure to motivated sellers in Charles Mix County?
Carriers repricing or withdrawing from Charles Mix 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.