Union County, SD: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Union County, South Dakota reads severe (80/100), in the top tier nationally — #347 nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
With 14 flood claims and $2,270,672 in payouts on the three-year record, Union County gives underwriters a concrete reason to reprice or exit.
Underwriters read this county through flood first -- it is the recurring driver in the declaration history.
Behind the score sit a FEMA hazard score of 71/100; NFIP flood-claim stress of 93/100 over three years; 2 flood federal disaster declarations in three years, each a factor insurers weigh when they raise rates or exit a market.
The 80/100 signal is only useful next to the rest: in Union 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.
The gap between physical hazard (71/100) and realized flood losses (93/100) is what DLRadar watches to flag insurance-driven sellers in Union County.
Construction distress sits at 29/100, so the replacement cost insurers underwrite against is elevated here.
Union County's 80/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
DLRadar re-scores Union County every month against the latest FEMA, NFIP and carrier data, so 80/100 tracks the live market — not a snapshot frozen at some earlier point.
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. That is how coverage-pressured owners surface before they reach the open market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Union County insurance distress — FAQ
How bad is home-insurance distress in Union County, South Dakota?
DLRadar puts Union County at 80/100 for home-insurance distress, scored the same way as every other U.S. county.
What is Union County three-year flood-claim total?
Over the trailing three years, Union County recorded 14 NFIP flood claims with $2,270,672 paid out, roughly $162,191 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
How does carrying cost push Union County owners to sell?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Union County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.