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

DLRadar grades Winnebago County, Wisconsin at 58/100 for home-insurance distress, an elevated level that places it #904 of 3,222 counties, in the upper half of U.S. counties. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.

Carriers here underwrite around flood above all else, since it dominates the county three-year declaration record.

Winnebago County's 58/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

A 1/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

DLRadar re-scores Winnebago County every month against the latest FEMA, NFIP and carrier data, so 58/100 tracks the live market — not a snapshot frozen at some earlier point.

It is the combination -- 51/100 hazard, 68/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 68/100 over three years; 1 flood federal disaster declaration in three years, all of which push carriers toward higher rates or non-renewal.

24 NFIP claims, $8,083 paid in three years is the documented loss history behind coverage cost in Winnebago County.

Insurance distress rarely travels by itself, so DLRadar aligns Winnebago County's 58/100 with foreclosure, lien and ownership records — separating owners squeezed only by coverage from those under broader strain.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Winnebago County's score to on-the-ground foreclosure and ownership data. It turns a premium shock into a contactable seller list ahead of the listing.