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

DLRadar grades Kewaunee County, Wisconsin at 53/100 for home-insurance distress, an elevated level that places it #967 of 3,222 counties, in the upper half of U.S. counties. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

What lifts Kewaunee County's reading is a FEMA hazard score of 51/100; NFIP flood-claim stress of 58/100 over three years; 1 flood federal disaster declaration in three years; these are exactly the risks that widen premiums and thin the carrier pool.

The county's three-year flood-loss ledger — 2 claims, $2,057 paid (~$1,028/claim) — is the evidence carriers use to justify higher rates or withdrawal.

Rebuilding is expensive in this market -- 71/100 on construction distress -- and coverage is priced off exactly that number.

Its exposure skews toward flood, the most frequent federal disaster driver in the county over the past three years.

It is the combination -- 51/100 hazard, 58/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

DLRadar does not treat 53/100 as a standalone number — the Kewaunee County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

The Kewaunee County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 53/100 reading reflects the current renewal environment rather than a historical average.

Kewaunee County's 53/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. So you can reach the owners whose trigger is carrying cost — before they list.