Union County, SD: Home-Insurance Distress & Forced-Sale Pressure
Union County, SD: 69/100 (elevated) home-insurance distress; Union, SD band MEDIUM; Union, SD #668 of 3,222 counties; Union, SD #1 of 66 in South Dakota; raw Union, SD 72.6.
FEMA hazard, Union, SD: 52/100; Union, SD declarations, three years: 3; Union, SD perils: 2 flood; Union, SD five-year count 2 (severity 3.0); Union, SD ten-year 2; hazard-weighted, Union, SD: 6.0.
Declared incidents on the Union, SD record: 2024 Flood 2 (Union, SD).
NFIP claims, Union, SD, three years: 14; Union, SD payouts $2,270,672; per Union, SD claim $162,191; Union, SD claim-stress 93/100.
Union, SD monthly score fell, 72 (March 2026) to 68 (October 2026); Union, SD by month: March 72, April 72, May 72, June 72 (Union, SD), July 69, August 68, September 69, October 68.
Union, SD components: climate 52, NFIP claims 93; Union, SD retreat index 68.
Construction distress, Union, SD: 85/100 as of August 2026 (Union, SD: 83/100 one-to-four unit, 85/100 multifamily).
Union, SD ZIPs, June 2026 (Union, SD, 9 highest): score 0 (Union, SD), climate 69 (Union, SD): 57034; score 0 (Union, SD), climate 57 (Union, SD): 51023; score 0 (Union, SD), climate 54 (Union, SD): 57004; score 0 (Union, SD), climate 50 (Union, SD): 51001; score 0 (Union, SD), climate 47 (Union, SD): 57001; score 0 (Union, SD), climate 45 (Union, SD): 57025, 57038, 57049; score 0 (Union, SD), climate 35 (Union, SD): 57010.
DLRadar rescores Union, SD monthly; Union, SD readings join Union, SD foreclosure, lien and ownership parcels (Union, SD), so cost-squeezed Union, SD owners surface before listing.
Inside South Dakota, Union County ranks 1st of 66 counties for home-insurance distress at 69/100; Davison County (68/100) sits just below Union County.
Deterministic. Every Union County, SD signal traces to a public Union dataset (FEMA, NFIP, Census for Union, SD) · how insurance distress works in Union, SD · methodology
FAQ: Union County, SD insurance distress
What is the Union County, SD home-insurance-distress score?
Union, SD: 69/100 (MEDIUM), #668 of 3,222, #1 in South Dakota. FEMA hazard, Union, SD: 52/100; NFIP stress, Union, SD: 93/100; construction, Union, SD: 85/100; Union, SD rescores monthly.
Is Union County insurance distress getting better or worse (SD)?
Union, SD: 72 in March 2026; Union, SD: 68 in October 2026 (better); Union, SD climate component 52; Union, SD NFIP claims score 93.
How many flood-insurance claims has Union County, SD had?
Union, SD: 14 NFIP claims, three years; Union, SD paid $2,270,672; per Union, SD claim $162,191; carriers reprice Union, SD against that record.
Which Union County ZIP codes carry the most insurance distress (SD)?
Union, SD, June 2026: 57034 at 0, 51023 at 0, 57004 at 0, 51001 at 0; Union, SD climate scores there: 69, 57, 54, 50.
Why does Union, SD insurance distress create sellers?
A Union, SD premium outruns the Union, SD budget; a carrier leaves Union, SD; Union, SD carrying cost passes plan; Union, SD owners sell while current; Union, SD insurance distress leads Union, SD foreclosure data.