Clark County, WA: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Clark County, Washington is currently elevated — an insurance-distress score of 48/100, in the upper half of U.S. counties at #1055 of the 3,222 U.S. counties DLRadar scores. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.

Over the trailing three years, Clark County recorded 5 NFIP flood claims totaling $0 paid (about $0 per claim) — the loss history that pushes premiums up and coverage out.

Because premiums track rebuild cost, a 63/100 construction-distress reading in Clark County feeds straight through to what owners are quoted.

The reading rests on a FEMA hazard score of 64/100; NFIP flood-claim stress of 24/100 over three years; 1 flood federal disaster declaration in three years - the specific exposures that widen premiums and shrink the carrier pool in Clark County.

The 48/100 signal is only useful next to the rest: in Clark 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.

Physical exposure at 64/100 and claim experience at 24/100 together mark Clark County as a market where coverage, not the mortgage, forces the sale.

DLRadar re-scores Clark County every month against the latest FEMA, NFIP and carrier data, so 48/100 tracks the live market — not a snapshot frozen at some earlier point.

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

Practically, Clark County's 48/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure 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 surfaces the coverage-squeezed owners ahead of the market.