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

Home-insurance pressure in Roberts County, South Dakota is currently low — an insurance-distress score of 22/100, in the lower-risk band nationally at #2022 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.

Rebuilding is expensive in this market -- 53/100 on construction distress -- and coverage is priced off exactly that number.

Put the 0/100 hazard reading next to 66/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

What 22/100 means on the ground in Roberts County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.

DLRadar reads Roberts County's 22/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.

What lifts Roberts County's reading is a FEMA hazard score of 0/100; NFIP flood-claim stress of 66/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.

With 2 flood claims and $27,393 in payouts on the three-year record, Roberts County gives underwriters a concrete reason to reprice or exit.

Because Roberts County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #2022 national rank moves as conditions do.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. It turns a premium shock into a contactable seller list ahead of the listing.