Utah Home-Insurance Distress by County

Home-insurance distress across Utah is below the national average, with an average county insurance-distress score of 19/100 — the 38th-highest of the 52 states and territories DLRadar scores. All 29 Utah counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

A below the national average statewide reading tells a Utah buyer the coverage squeeze is present but concentrated — the work is finding the counties carrying it, which the ranked list below does.

Underneath the Utah headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

Over three years, Utah counties recorded 74 NFIP flood claims totaling $280,905 paid — the loss history insurers convert into higher premiums the next renewal.

DLRadar treats the Utah insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

Washington County leads Utah at 61/100, with Summit County close behind. Below, every Utah county is ordered by insurance distress and links through to its detail page.

The takeaway for Utah is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

Statewide, the pressure is driven by an average FEMA hazard score of 21/100 and average NFIP flood-claim stress of 19/100 — the exposures carriers price against and increasingly decline to renew, and why Utah premiums climb faster than incomes.

Because Utah is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #38 national rank and county order move with actual conditions, not a fixed snapshot.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces Utah's insurance-squeezed sellers ahead of the market.