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

DLRadar grades Scott County, Arkansas at 42/100 for home-insurance distress, a moderate level that places it #1152 of 3,222 counties, in the upper half of U.S. counties. More and more, it is the insurance bill rather than the mortgage that turns a Scott County owner into a seller.

What lifts Scott County's reading is a FEMA hazard score of 83/100; NFIP flood-claim stress of 0/100 over three years; 2 flood federal disaster declarations in three years; these are exactly the risks that widen premiums and thin the carrier pool.

A 83/100 hazard base sitting alongside 0/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.

Over the trailing three years, Scott County recorded 0 NFIP flood claims totaling $0 paid (about $0 per claim) — the loss history that pushes premiums up and coverage out.

Insurers set premiums from replacement cost, and at 11/100 that input is running hot in Scott County.

Scott County's 42/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

The 42/100 signal is only useful next to the rest: in Scott County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.

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

DLRadar re-scores Scott County every month against the latest FEMA, NFIP and carrier data, so 42/100 tracks the live market — not a snapshot frozen at some earlier point.

Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. So you can reach the owners whose trigger is carrying cost — before they list.