Pierce County, WI: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Pierce County, Wisconsin reads low (20/100), in the lower-risk band nationally — #2295 nationally. More and more, it is the insurance bill rather than the mortgage that turns a Pierce County owner into a seller.
Practically, Pierce County's 20/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.
Insurers set premiums from replacement cost, and at 49/100 that input is running hot in Pierce County.
The Pierce County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 20/100 reading reflects the current renewal environment rather than a historical average.
A #2295 national standing means little alone; DLRadar pairs Pierce County's coverage stress with default and ownership data before calling a parcel distressed.
The pressure here is driven by a FEMA hazard score of 0/100; NFIP flood-claim stress of 60/100 over three years — the exposures carriers price against and increasingly decline to renew.
A 0/100 hazard base sitting alongside 60/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
Three years of NFIP activity in Pierce County comes to 2 claims worth $7,540, and that ledger is what carriers price against.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Pierce County insurance distress — FAQ
Is home insurance a problem for owners in Pierce County, Wisconsin?
Pierce County scores 20/100 -- a figure rebuilt monthly rather than carried forward.
How many flood-insurance claims has Pierce County had?
Over the trailing three years, Pierce County recorded 2 NFIP flood claims with $7,540 paid out, roughly $3,770 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Pierce County?
The sequence in Pierce County runs premium shock, budget breach, listing -- usually with the loan still performing. That ordering is why insurance distress is treated as an upstream indicator of supply.