Brown County, WI: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Brown County, Wisconsin is currently moderate — an insurance-distress score of 40/100, in the upper half of U.S. counties at #1198 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

A #1198 national standing means little alone; DLRadar pairs Brown County's coverage stress with default and ownership data before calling a parcel distressed.

Flood losses tell the story: 5 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.

Rebuild-cost inflation compounds it: construction-distress reads 54/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

Hazard 51/100 plus flood-claim stress 24/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Brown County.

Brown County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.

Carriers here underwrite around flood above all else, since it dominates the county three-year declaration record.

Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 24/100 over three years; 1 flood federal disaster declaration in three years, all of which push carriers toward higher rates or non-renewal.

In practice, Brown County's moderate insurance-distress level (40/100, #1198 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.

The nationwide monthly build covers all 3,222 counties and connects Brown County reading to real foreclosure, tax-lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.