Kenosha County, WI: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Kenosha County, Wisconsin reads elevated (57/100), in the upper half of U.S. counties — #912 nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
Rebuilding is expensive in this market -- 39/100 on construction distress -- and coverage is priced off exactly that number.
The reading rests on a FEMA hazard score of 51/100; NFIP flood-claim stress of 67/100 over three years; 1 flood federal disaster declaration in three years - the specific exposures that widen premiums and shrink the carrier pool in Kenosha County.
The 57/100 signal is only useful next to the rest: in Kenosha 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.
Kenosha County's 57/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #912 position shifts between updates.
Read as a targeting input, 57/100 puts Kenosha County #912 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
Read together, a 51/100 hazard base and 67/100 flood-claim stress explain why Kenosha County screens as a place where coverage cost, not the loan, is the likely sale trigger.
Its exposure skews toward flood, the most frequent federal disaster driver in the county over the past three years.
Over the trailing three years, Kenosha County recorded 12 NFIP flood claims totaling $10,000 paid (about $833 per claim) — the loss history that pushes premiums up and coverage out.
The nationwide monthly build covers all 3,222 counties and connects Kenosha County reading to real foreclosure, tax-lien and ownership records. 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
Kenosha County insurance distress — FAQ
What is the home-insurance-distress score for Kenosha County, Wisconsin?
On the insurance-distress measure Kenosha County comes in at 57/100, recomputed every month from federal and carrier sources.
What is Kenosha County three-year flood-claim total?
Kenosha County logged 12 NFIP flood claims over three years, $10,000 paid (about $833 each) - the kind of realized-loss record that reprices coverage and thins the carrier pool.
Why is insurance distress a leading signal in Kenosha County?
A premium that outpaces the budget -- or a carrier that stops writing in Kenosha County altogether -- lifts carrying cost past what the owner planned for. Selling becomes the rational response, and it typically happens before any default appears in the record, which is why the signal leads rather than lags.