Pulaski County, AR: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Pulaski County, Arkansas at 76/100 for home-insurance distress, a severe level that places it #462 of 3,222 counties, in the top tier nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
Because Pulaski County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #462 national rank moves as conditions do.
What lifts Pulaski County's reading is a FEMA hazard score of 66/100; NFIP flood-claim stress of 92/100 over three years; 1 flood federal disaster declaration in three years; these are exactly the risks that widen premiums and thin the carrier pool.
With construction distress at 1/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
The county's three-year flood-loss ledger — 59 claims, $2,274,549 paid (~$38,552/claim) — is the evidence carriers use to justify higher rates or withdrawal.
Its exposure skews toward flood, the most frequent federal disaster driver in the county over the past three years.
The gap between physical hazard (66/100) and realized flood losses (92/100) is what DLRadar watches to flag insurance-driven sellers in Pulaski County.
In practice, Pulaski County's severe insurance-distress level marks it as a place to watch owner behavior: as renewals land, the households that can no longer carry the premium become the motivated sellers worth reaching early.
DLRadar does not treat that as a standalone number — the Pulaski 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. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Pulaski County insurance distress — FAQ
How bad is home-insurance distress in Pulaski County, Arkansas?
Pulaski County scores 76/100 for home-insurance distress (MEDIUM), ranking #462 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (66/100), NFIP flood-claim stress (92/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Pulaski County had?
Over the trailing three years, Pulaski County recorded 59 NFIP flood claims with $2,274,549 paid out, roughly $38,552 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 Pulaski County?
When premiums in Pulaski 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.