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 #1591 of the 3,222 U.S. counties DLRadar scores. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
With construction distress at 97/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
Over the trailing three years, Big Horn County recorded 2 NFIP flood claims totaling $281,241 paid (about $140,621 per claim) — the loss history that pushes premiums up and coverage out.
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.
What a moderate score means on the ground in Big Horn County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.
DLRadar does not treat that as a standalone number — the Big Horn County insurance read is cross-referenced against the county's foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
Read together, a 0/100 hazard base and 80/100 flood-claim stress explain why Big Horn County screens as a place where coverage cost, not the loan, is the likely sale trigger.
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.
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. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Big Horn County insurance distress — FAQ
How bad is home-insurance distress in Big Horn County, Wyoming?
Big Horn County scores 27/100 for home-insurance distress (LOW), ranking #1591 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (0/100), NFIP flood-claim stress (80/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Big Horn County had?
Over the trailing three years, Big Horn County recorded 2 NFIP flood claims with $281,241 paid out, roughly $140,621 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 Big Horn County?
When premiums in Big Horn 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.