Shawano County, WI: Home-Insurance Distress & Forced-Sale Pressure
Shawano County, Wisconsin carries a low home-insurance-distress reading of 22/100 — ranked #2033 nationally, in the lower-risk band nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
The reading rests on a FEMA hazard score of 0/100; NFIP flood-claim stress of 64/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Shawano County.
DLRadar does not treat 22/100 as a standalone number — the Shawano 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.
Construction distress sits at 38/100, so the replacement cost insurers underwrite against is elevated here.
A low level of 22/100 in Shawano County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
The county's three-year flood-loss ledger — 2 claims, $20,000 paid (~$10,000/claim) — is the evidence carriers use to justify higher rates or withdrawal.
A 0/100 hazard base sitting alongside 64/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
Shawano County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
DLRadar rebuilds insurance distress nationwide each month and wires Shawano County score into the parcel-level foreclosure and ownership graph. The result is early access to owners whose trigger is insurance rather than default.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Shawano County insurance distress — FAQ
What is the home-insurance-distress score for Shawano County, Wisconsin?
Shawano County registers 22/100 on DLRadar home-insurance distress scale, a monthly read built from FEMA hazard, NFIP claim and carrier-pressure inputs.
How much has NFIP paid out in Shawano County?
Over the trailing three years, Shawano County recorded 2 NFIP flood claims with $20,000 paid out, roughly $10,000 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
How does carrying cost push Shawano County owners to sell?
When coverage in Shawano County becomes unaffordable or unavailable, the maths on holding the property changes. Owners in that position tend to list while still current on the mortgage, so the insurance signal arrives ahead of any foreclosure data.