Pike County, AR: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Pike County, Arkansas is currently moderate — an insurance-distress score of 34/100, in the upper half of U.S. counties at #1364 of the 3,222 U.S. counties DLRadar scores. 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.
Because Pike County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1364 national rank moves as conditions do.
Behind the score sit a FEMA hazard score of 66/100; NFIP flood-claim stress of 0/100 over three years; 1 flood federal disaster declaration in three years, each a factor insurers weigh when they raise rates or exit a market.
What a moderate score means on the ground in Pike 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.
NFIP paid $0 across 0 Pike County flood claims in three years, roughly $0 each; that record is what reprices coverage.
The declaration history is led by flood events — the peril most likely to drive non-renewals locally.
The gap between physical hazard (66/100) and realized flood losses (0/100) is what DLRadar watches to flag insurance-driven sellers in Pike County.
Replacement economics add to the squeeze — a 21/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
DLRadar does not treat that as a standalone number — the Pike 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.
DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Pike County insurance distress — FAQ
How bad is home-insurance distress in Pike County, Arkansas?
Pike County scores 34/100 for home-insurance distress (LOW), ranking #1364 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (66/100), NFIP flood-claim stress (0/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Pike County had?
Over the trailing three years, Pike County recorded 0 NFIP flood claims with $0 paid out, roughly $0 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 Pike County?
When premiums in Pike 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.