Door County, WI: Home-Insurance Distress & Forced-Sale Pressure
Door County, Wisconsin carries a low home-insurance-distress reading of 21/100 — ranked #2073 nationally, in the lower-risk band nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 62/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
Read as a targeting input, 21/100 puts Door County #2073 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
Because premiums track rebuild cost, a 55/100 construction-distress reading in Door County feeds straight through to what owners are quoted.
The county's three-year flood-loss ledger — 3 claims, $9,341 paid (~$3,114/claim) — is the evidence carriers use to justify higher rates or withdrawal.
The 21/100 signal is only useful next to the rest: in Door 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.
It is the combination -- 0/100 hazard, 62/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
Each month new hazard revisions and claim settlements refresh Door County, keeping its insurance-distress score aligned with the live market.
This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. It turns a premium shock into a contactable seller list ahead of the listing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Door County insurance distress — FAQ
What is the home-insurance-distress score for Door County, Wisconsin?
Door County scores 21/100 -- a figure rebuilt monthly rather than carried forward.
How much has flood insurance paid out in Door County?
Door County logged 3 NFIP flood claims over three years, $9,341 paid (about $3,114 each) - the kind of realized-loss record that reprices coverage and thins the carrier pool.
How does carrying cost push Door County owners to sell?
Rising or unavailable coverage in Door 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.