Big Horn County, WY: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Big Horn County, Wyoming is currently moderate — an insurance-distress score of 27/100, in the lower-risk band nationally at #1656 of the 3,222 U.S. counties DLRadar scores. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.
Insurers set premiums from replacement cost, and at 25/100 that input is running hot in Big Horn County.
The county's three-year flood-loss ledger — 2 claims, $281,241 paid (~$140,621/claim) — is the evidence carriers use to justify higher rates or withdrawal.
The Big Horn County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 27/100 reading reflects the current renewal environment rather than a historical average.
Big Horn County's 27/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
DLRadar does not treat 27/100 as a standalone number — the Big Horn 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.
It is the combination -- 0/100 hazard, 80/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
What lifts Big Horn County's reading is a FEMA hazard score of 0/100; NFIP flood-claim stress of 80/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
The nationwide monthly build covers all 3,222 counties and connects Big Horn County reading to real foreclosure, tax-lien and ownership records. It turns a premium shock into a contactable seller list ahead of the listing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Big Horn County insurance distress — FAQ
What is the home-insurance-distress score for Big Horn County, Wyoming?
The home-insurance-distress reading for Big Horn County is 27/100 (ranked #1656 nationally), a LOW level. FEMA hazard at 0/100, NFIP flood losses at 80/100 and carrier pullback drive it, and it updates every month from public data.
What does the flood-loss record look like in Big Horn County?
Big Horn County recorded 2 NFIP flood claims over the trailing three years, with $281,241 paid -- the loss record carriers price against.
What links coverage pressure to motivated sellers in Big Horn County?
In Big Horn County, a coverage bill that outruns the owner's budget - or a carrier that simply exits - can push total carrying cost past the breaking point. Those owners frequently sell ahead of any missed payment, so insurance distress works as an early, upstream read on future seller supply.