Codington County, SD: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Codington County, South Dakota reads low (20/100), in the lower-risk band nationally — #2323 nationally. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.
Three years of NFIP activity in Codington County comes to 1 claims worth $6,397, and that ledger is what carriers price against.
DLRadar reads Codington County's 20/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.
Codington County's 20/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
Construction distress sits at 1/100, so the replacement cost insurers underwrite against is elevated here.
A 0/100 hazard base sitting alongside 57/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
The Codington County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.
The pressure here is driven by a FEMA hazard score of 0/100; NFIP flood-claim stress of 57/100 over three years — the exposures carriers price against and increasingly decline to renew.
The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Codington County's score to on-the-ground foreclosure and ownership data. 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
Codington County insurance distress — FAQ
How severe is home-insurance pressure in Codington County, South Dakota?
On the insurance-distress measure Codington County comes in at 20/100, recomputed every month from federal and carrier sources.
What is Codington County three-year flood-claim total?
Codington County recorded 1 NFIP flood claims over the trailing three years, with $6,397 paid -- the loss record carriers price against.
Why does insurance distress create distressed sellers in Codington County?
The sequence in Codington County runs premium shock, budget breach, listing -- usually with the loan still performing. That ordering is why insurance distress is treated as an upstream indicator of supply.