Clay County, SD: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Clay County, South Dakota is currently elevated — an insurance-distress score of 52/100, in the upper half of U.S. counties at #991 of the 3,222 U.S. counties DLRadar scores. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
What lifts Clay County's reading is a FEMA hazard score of 51/100; NFIP flood-claim stress of 55/100 over three years; 1 flood federal disaster declaration in three years; these are exactly the risks that widen premiums and thin the carrier pool.
Three years of NFIP activity in Clay County comes to 1 claims worth $2,000, and that ledger is what carriers price against.
It is the combination -- 51/100 hazard, 55/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
Clay County's 52/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #991 position shifts between updates.
On its own 52/100 is half a picture, so Clay County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
What 52/100 means on the ground in Clay 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.
Rebuilding is expensive in this market -- 56/100 on construction distress -- and coverage is priced off exactly that number.
Most of the federal disaster activity on file is flood, and that is the peril shaping renewal terms locally.
The nationwide monthly build covers all 3,222 counties and connects Clay County reading to real foreclosure, tax-lien and ownership records. It turns a premium shock into a contactable seller list ahead of the listing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Clay County insurance distress — FAQ
What is the home-insurance-distress score for Clay County, South Dakota?
Clay County registers 52/100 on DLRadar home-insurance distress scale, a monthly read built from FEMA hazard, NFIP claim and carrier-pressure inputs.
How much has flood insurance paid out in Clay County?
In the last three years NFIP settled 1 flood claims in Clay County totaling $2,000, near $2,000 per claim. Insurers read that ledger directly into premiums and renewal decisions.
Why does insurance distress create distressed sellers in Clay County?
Carriers repricing or withdrawing from Clay 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.