Douglas County, SD: Home-Insurance Distress & Forced-Sale Pressure
Douglas County, SD: 27/100 (moderate) home-insurance distress; Douglas, SD band LOW; Douglas, SD #1,784 of 3,222 counties; Douglas, SD #18 of 66 in South Dakota; raw Douglas, SD 35.3; Douglas, SD coverage multiplier 0.85.
FEMA hazard, Douglas, SD: 52/100; Douglas, SD declarations, three years: 3; Douglas, SD perils: 2 flood; Douglas, SD five-year count 2 (severity 3.0); Douglas, SD ten-year 2; hazard-weighted, Douglas, SD: 6.0.
Declared incidents on the Douglas, SD record: 2024 Flood 2 (Douglas, SD).
NFIP claims, Douglas, SD, three years: none; Douglas, SD claim-stress 0/100.
Douglas, SD monthly score fell, 30 (March 2026) to 26 (October 2026); Douglas, SD by month: March 30, April 30, May 30, June 30 (Douglas, SD), July 27, August 26, September 27, October 26.
Douglas, SD components: climate 52; Douglas, SD retreat index 26; Douglas, SD climate multiplier 0.85.
Construction distress, Douglas, SD: 17/100 as of August 2026 (Douglas, SD: 25/100 one-to-four unit, 0/100 multifamily).
Douglas, SD ZIPs, June 2026 (Douglas, SD, 8 highest): score 0 (Douglas, SD), climate 49 (Douglas, SD): 57366, 57369; score 0 (Douglas, SD), climate 43 (Douglas, SD): 57331; score 0 (Douglas, SD), climate 28 (Douglas, SD): 57330; score 0 (Douglas, SD), climate 25 (Douglas, SD): 57313; score 0 (Douglas, SD), climate 14 (Douglas, SD): 57328, 57344, 57364.
DLRadar rescores Douglas, SD monthly; Douglas, SD readings join Douglas, SD foreclosure, lien and ownership parcels (Douglas, SD), so cost-squeezed Douglas, SD owners surface before listing.
Inside South Dakota, Douglas County ranks 18th of 66 counties for home-insurance distress at 27/100; Custer County (27/100) sits just above Douglas County, and Gregory County (27/100) sits just below Douglas County.
Deterministic. Every Douglas County, SD signal traces to a public Douglas dataset (FEMA, NFIP, Census for Douglas, SD) · how insurance distress works in Douglas, SD · methodology
FAQ: Douglas County, SD insurance distress
What is the Douglas County, SD home-insurance-distress score?
Douglas, SD: 27/100 (LOW), #1,784 of 3,222, #18 in South Dakota. FEMA hazard, Douglas, SD: 52/100; NFIP stress, Douglas, SD: 0/100; construction, Douglas, SD: 17/100; Douglas, SD rescores monthly.
Is Douglas County insurance distress getting better or worse (SD)?
Douglas, SD: 30 in March 2026; Douglas, SD: 26 in October 2026 (better); Douglas, SD climate component 52.
Which Douglas County ZIP codes carry the most insurance distress (SD)?
Douglas, SD, June 2026: 57366 at 0, 57369 at 0, 57331 at 0, 57330 at 0; Douglas, SD climate scores there: 49, 49, 43, 28.
Why does Douglas, SD insurance distress create sellers?
A Douglas, SD premium outruns the Douglas, SD budget; a carrier leaves Douglas, SD; Douglas, SD carrying cost passes plan; Douglas, SD owners sell while current; Douglas, SD insurance distress leads Douglas, SD foreclosure data.