Hughes County, SD: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Hughes County, South Dakota is currently moderate — an insurance-distress score of 27/100, in the lower-risk band nationally at #1779 of the 3,222 U.S. counties DLRadar scores. 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.
A 61/100 construction-distress score means repair and replacement economics are working against affordability of coverage.
Hughes County's 27/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
The county's three-year flood-loss ledger — 0 claims, $0 paid (~$0/claim) — is the evidence carriers use to justify higher rates or withdrawal.
DLRadar does not treat 27/100 as a standalone number — the Hughes County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
Monthly rebuilds keep Hughes County honest: 27/100 reflects the renewal environment carriers are pricing right now.
What lifts Hughes County's reading is a FEMA hazard score of 52/100; NFIP flood-claim stress of 0/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
It is the combination -- 52/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Hughes County's score to on-the-ground foreclosure and ownership data. 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
Hughes County insurance distress — FAQ
What is the home-insurance-distress score for Hughes County, South Dakota?
Hughes County scores 27/100 for home-insurance distress (LOW), ranking #1779 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (52/100), NFIP flood-claim stress (0/100) and carrier pressure, updated monthly from public federal data.
What is Hughes County three-year flood-claim total?
In the last three years NFIP settled 0 flood claims in Hughes County totaling $0, near $0 per claim. Insurers read that ledger directly into premiums and renewal decisions.
What links coverage pressure to motivated sellers in Hughes County?
A premium that outpaces the budget -- or a carrier that stops writing in Hughes County altogether -- lifts carrying cost past what the owner planned for. Selling becomes the rational response, and it typically happens before any default appears in the record, which is why the signal leads rather than lags.