Moody County, SD: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Moody County, South Dakota is currently moderate — an insurance-distress score of 26/100, in the lower-risk band nationally at #1821 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.

Flood losses tell the story: 0 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.

For an acquisition buyer, a moderate reading of 26/100 in Moody County is a targeting cue: it says a meaningful slice of local owners face a coverage bill rising faster than they planned for, and some will sell rather than absorb it.

What lifts Moody County's reading is a FEMA hazard score of 51/100; NFIP flood-claim stress of 0/100 over three years; 1 flood federal disaster declaration in three years; these are exactly the risks that widen premiums and thin the carrier pool.

It is the combination -- 51/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

Rebuilding is expensive in this market -- 75/100 on construction distress -- and coverage is priced off exactly that number.

The declaration history is led by flood events — the peril most likely to drive non-renewals locally.

Taken with the county's foreclosure and lien record, 26/100 tells you whether Moody County owners face a coverage problem or a solvency problem — the two need different outreach.

Moody 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 point is reaching those owners while carrying cost is still the problem, not after the filing.