Sully County, SD: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Sully County, South Dakota is currently low — an insurance-distress score of 0/100, in the lower-risk band nationally at #3046 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
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.
What 0/100 means on the ground in Sully 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.
The 0/100 signal is only useful next to the rest: in Sully 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.
With construction distress at 80/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
Read together, a 0/100 hazard base and 0/100 flood-claim stress explain why Sully County screens as a place where coverage cost, not the loan, is the likely sale trigger.
Driving it: a FEMA hazard score of 0/100; NFIP flood-claim stress of 0/100 over three years, all of which push carriers toward higher rates or non-renewal.
Sully County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. It turns a premium shock into a contactable seller list ahead of the listing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Sully County insurance distress — FAQ
Is home insurance a problem for owners in Sully County, South Dakota?
DLRadar grades Sully County at 0/100 - ZERO, #3046 of 3,222 U.S. counties. It combines FEMA hazard (0/100), three-year NFIP flood-claim stress (0/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What is the flood-claim history in Sully County?
Over the trailing three years, Sully County recorded 0 NFIP flood claims with $0 paid out, roughly $0 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
How does carrying cost push Sully County owners to sell?
A premium that outpaces the budget -- or a carrier that stops writing in Sully 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.