Wisconsin Home-Insurance Distress by County

Across Wisconsin, insurance distress averages 20/100 at the county level — below the national average, ranking 39th nationally. All 72 Wisconsin counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

Across Wisconsin, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

The sharpest pressure concentrates in Milwaukee County (81/100, #314 nationally) and Waukesha County. Every Wisconsin county appears in the ranked table below, each linking to its own report.

In 3 Wisconsin counties the score tops 70 (severe) — the markets where keeping a policy is the real problem.

DLRadar re-scores every Wisconsin county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.

The takeaway for Wisconsin 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.

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

What Wisconsin's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two Wisconsin counties with similar weather can diverge sharply on distress.

Wisconsin's three-year flood-loss record — 1,055 claims, $32,623,616 paid — is the evidence carriers cite for pullback.

Behind the state number sit an average FEMA hazard score of 16/100 and average NFIP flood-claim stress of 29/100, the hazard basis insurers use to reprice Wisconsin coverage.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. So in Wisconsin you can find the owners whose breaking point is the insurance bill, before they list.