Spencer County, IN
Composite Insurance Risk Score: 73.7 / 100 (National rank: #210)
Axis Scores
Climate Safety
60.3
Insurance Affordability
78.2
Housing Affordability
71.2
Community Resilience
72.4
Social Resilience
95.3
Housing Stability
86.0
Key Metrics
| Annual Insurance Premium (state avg) | $1,400 |
| Insurance Burden (% of income) | 1.88% |
| Price-to-Income Ratio | 2.49 |
| FEMA Risk Score (0-100) | 39.6 |
Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).