Davis County, UT: Home-Insurance Distress & Forced-Sale Pressure

Davis County, Utah carries a low home-insurance-distress reading of 22/100 — ranked #2002 nationally, in the lower-risk band nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.

Because premiums track rebuild cost, a 1/100 construction-distress reading in Davis County feeds straight through to what owners are quoted.

Because Davis County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #2002 national rank moves as conditions do.

Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 66/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

Taken with the county's foreclosure and lien record, 22/100 tells you whether Davis County owners face a coverage problem or a solvency problem — the two need different outreach.

A low level of 22/100 in Davis County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

Read together, a 0/100 hazard base and 66/100 flood-claim stress explain why Davis County screens as a place where coverage cost, not the loan, is the likely sale trigger.

Three years of NFIP activity in Davis County comes to 8 claims worth $10,811, and that ledger is what carriers price against.

DLRadar rebuilds insurance distress nationwide each month and wires Davis County score into the parcel-level foreclosure and ownership graph. The point is reaching those owners while carrying cost is still the problem, not after the filing.