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

Insurance distress in San Juan County, Utah reads moderate (26/100), in the lower-risk band nationally — #1874 nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

Three years of NFIP activity in San Juan County comes to 0 claims worth $0, and that ledger is what carriers price against.

Replacement economics add to the squeeze — a 58/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.

A 51/100 hazard base sitting alongside 0/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.

DLRadar reads San Juan County's 26/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.

What lifts San Juan County's reading is a FEMA hazard score of 51/100; NFIP flood-claim stress of 0/100 over three years; 1 fire federal disaster declaration in three years; these are exactly the risks that widen premiums and thin the carrier pool.

The San Juan County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.

Wildfire is the dominant declared hazard here, which shapes how carriers underwrite the county.

San Juan County's 26/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

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.