Izard County, AR: Home-Insurance Distress & Forced-Sale Pressure

Izard County, Arkansas carries a severe home-insurance-distress reading of 70/100 — ranked #581 nationally, in the upper half of U.S. counties. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.

Behind the score sit a FEMA hazard score of 71/100; NFIP flood-claim stress of 68/100 over three years; 1 flood federal disaster declaration in three years, each a factor insurers weigh when they raise rates or exit a market.

A #581 national standing means little alone; DLRadar pairs Izard County's coverage stress with default and ownership data before calling a parcel distressed.

Physical exposure at 71/100 and claim experience at 68/100 together mark Izard County as a market where coverage, not the mortgage, forces the sale.

A 70/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

Izard County's 70/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

Flood is the dominant declared hazard here, which shapes how carriers underwrite the county.

Over the trailing three years, Izard County recorded 1 NFIP flood claims totaling $37,910 paid (about $37,910 per claim) — the loss history that pushes premiums up and coverage out.

The Izard County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. The point is reaching those owners while carrying cost is still the problem, not after the filing.