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

Outagamie County, Wisconsin carries a elevated home-insurance-distress reading of 61/100 — ranked #826 nationally, in the upper half of U.S. counties. More and more, it is the insurance bill rather than the mortgage that turns a Outagamie County owner into a seller.

The gap between physical hazard (51/100) and realized flood losses (76/100) is what DLRadar watches to flag insurance-driven sellers in Outagamie County.

Taken with the county's foreclosure and lien record, 61/100 tells you whether Outagamie County owners face a coverage problem or a solvency problem — the two need different outreach.

The federal flood record here -- 33 claims at roughly $3,653 each -- is the loss experience premiums are built on.

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

Behind the score sit a FEMA hazard score of 51/100; NFIP flood-claim stress of 76/100 over three years; 1 flood federal disaster declaration in three years, each a factor insurers weigh when they raise rates or exit a market.

Because Outagamie County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #826 national rank moves as conditions do.

With construction distress at 2/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

Outagamie County's 61/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.