Franklin County, AR: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Franklin County, Arkansas is currently moderate — an insurance-distress score of 26/100, in the lower-risk band nationally at #1718 of the 3,222 U.S. counties DLRadar scores. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
Insurers set premiums from replacement cost, and at 48/100 that input is running hot in Franklin County.
Taken with the county's foreclosure and lien record, 26/100 tells you whether Franklin County owners face a coverage problem or a solvency problem — the two need different outreach.
DLRadar re-scores Franklin County every month against the latest FEMA, NFIP and carrier data, so 26/100 tracks the live market — not a snapshot frozen at some earlier point.
NFIP paid $0 across 0 Franklin County flood claims in three years, roughly $0 each; that record is what reprices coverage.
The reading rests on a FEMA hazard score of 51/100; NFIP flood-claim stress of 0/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Franklin County.
It is the combination -- 51/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
Practically, Franklin County's 26/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.
DLRadar rebuilds insurance distress nationwide each month and wires Franklin County score into the parcel-level foreclosure and ownership graph. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Franklin County insurance distress — FAQ
Is home insurance a problem for owners in Franklin County, Arkansas?
On the insurance-distress measure Franklin County comes in at 26/100, recomputed every month from federal and carrier sources.
How many federal flood claims has Franklin County filed?
0 flood claims totalling $0 were filed in Franklin County over the last three years.
Why does DLRadar treat insurance distress as an early signal in Franklin County?
Carriers repricing or withdrawing from Franklin County push total cost of ownership up without warning. Affected owners frequently sell pre-emptively, which is precisely the window DLRadar is trying to catch.