Racine County, WI: Home-Insurance Distress & Forced-Sale Pressure
Racine County, Wisconsin carries a moderate home-insurance-distress reading of 41/100 — ranked #1192 nationally, in the upper half of U.S. counties. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.
What lifts Racine County's reading is a FEMA hazard score of 52/100; NFIP flood-claim stress of 24/100 over three years; 1 flood federal disaster declaration in three years; these are exactly the risks that widen premiums and thin the carrier pool.
5 NFIP claims, $0 paid in three years is the documented loss history behind coverage cost in Racine County.
Insurers set premiums from replacement cost, and at 32/100 that input is running hot in Racine County.
For a buyer, Racine County at 41/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.
A #1192 national standing means little alone; DLRadar pairs Racine County's coverage stress with default and ownership data before calling a parcel distressed.
The Racine County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 41/100 reading reflects the current renewal environment rather than a historical average.
Put the 52/100 hazard reading next to 24/100 in flood-claim stress and the pattern is a county where owners exit over premiums.
Its exposure skews toward flood, the most frequent federal disaster driver in the county over the past three years.
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. 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
Racine County insurance distress — FAQ
Is home insurance a problem for owners in Racine County, Wisconsin?
DLRadar grades Racine County at 41/100 - MEDIUM, #1192 of 3,222 U.S. counties. It combines FEMA hazard (52/100), three-year NFIP flood-claim stress (24/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
How many federal flood claims has Racine County filed?
Racine County recorded 5 NFIP flood claims over the trailing three years, with $0 paid -- the loss record carriers price against.
What links coverage pressure to motivated sellers in Racine County?
When premiums in Racine County rise faster than owners budgeted - or carriers stop writing policies altogether - the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.