Washington County, UT: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Washington County, Utah reads elevated (61/100), in the upper half of U.S. counties — #834 nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
The county risk profile leans heavily on wildfire, the hazard behind most of its recent federal declarations.
Behind the score sit a FEMA hazard score of 51/100; NFIP flood-claim stress of 76/100 over three years; 1 fire federal disaster declaration in three years, each a factor insurers weigh when they raise rates or exit a market.
A 32/100 construction-distress score means repair and replacement economics are working against affordability of coverage.
Washington County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
Put the 51/100 hazard reading next to 76/100 in flood-claim stress and the pattern is a county where owners exit over premiums.
Three years of NFIP activity in Washington County comes to 8 claims worth $110,914, and that ledger is what carriers price against.
Read as a targeting input, 61/100 puts Washington County #834 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
DLRadar does not treat 61/100 as a standalone number — the Washington County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
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
Washington County insurance distress — FAQ
How bad is home-insurance distress in Washington County, Utah?
Washington County registers 61/100 on DLRadar home-insurance distress scale, a monthly read built from FEMA hazard, NFIP claim and carrier-pressure inputs.
What is the NFIP flood-claim history for Washington County?
Over the trailing three years, Washington County recorded 8 NFIP flood claims with $110,914 paid out, roughly $13,864 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
How does insurance cost turn into seller supply in Washington County?
Rising or unavailable coverage in Washington County raises the true cost of holding a home, and once that cost crosses what an owner can carry, selling becomes the rational move - usually before foreclosure ever enters the picture. That lead time is exactly why DLRadar scores it.