Davison County, SD: Home-Insurance Distress & Forced-Sale Pressure
Davison County, South Dakota carries a severe home-insurance-distress reading of 79/100 — ranked #370 nationally, in the top tier nationally. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.
The county's three-year flood-loss ledger — 10 claims, $1,189,834 paid (~$118,983/claim) — is the evidence carriers use to justify higher rates or withdrawal.
Flood accounts for the bulk of declared events here, so it drives both pricing and withdrawal decisions.
Driving it: a FEMA hazard score of 71/100; NFIP flood-claim stress of 91/100 over three years; 2 flood federal disaster declarations in three years, all of which push carriers toward higher rates or non-renewal.
Physical exposure at 71/100 and claim experience at 91/100 together mark Davison County as a market where coverage, not the mortgage, forces the sale.
Insurers set premiums from replacement cost, and at 65/100 that input is running hot in Davison County.
The 79/100 signal is only useful next to the rest: in Davison County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.
A severe level of 79/100 in Davison County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
Davison County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
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. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Davison County insurance distress — FAQ
How severe is home-insurance pressure in Davison County, South Dakota?
On the insurance-distress measure Davison County comes in at 79/100, recomputed every month from federal and carrier sources.
What does the flood-loss record look like in Davison County?
Davison County logged 10 NFIP flood claims over three years, $1,189,834 paid (about $118,983 each) - the kind of realized-loss record that reprices coverage and thins the carrier pool.
How does home-insurance pressure produce motivated sellers in Davison County?
The sequence in Davison 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.