Washington County, AR: Home-Insurance Distress & Forced-Sale Pressure
Washington County, Arkansas carries a elevated home-insurance-distress reading of 64/100 — ranked #753 nationally, in the upper half of U.S. counties. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
For a buyer, Washington County at 64/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.
Taken with the county's foreclosure and lien record, 64/100 tells you whether Washington County owners face a coverage problem or a solvency problem — the two need different outreach.
Behind the score sit a FEMA hazard score of 51/100; NFIP flood-claim stress of 84/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
The county's three-year flood-loss ledger — 13 claims, $395,636 paid (~$30,434/claim) — is the evidence carriers use to justify higher rates or withdrawal.
Replacement economics add to the squeeze — a 47/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
Read together, a 51/100 hazard base and 84/100 flood-claim stress explain why Washington County screens as a place where coverage cost, not the loan, is the likely sale trigger.
DLRadar re-scores Washington County every month against the latest FEMA, NFIP and carrier data, so 64/100 tracks the live market — not a snapshot frozen at some earlier point.
DLRadar rebuilds insurance distress nationwide each month and wires Washington County score into the parcel-level foreclosure and ownership graph. It turns a premium shock into a contactable seller list ahead of the listing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Washington County insurance distress — FAQ
How severe is home-insurance pressure in Washington County, Arkansas?
Washington County scores 64/100 -- a figure rebuilt monthly rather than carried forward.
How much has flood insurance paid out in Washington County?
Washington County recorded 13 NFIP flood claims over the trailing three years, with $395,636 paid -- the loss record carriers price against.
Why do premium increases create listings in Washington County?
In Washington County, a coverage bill that outruns the owner's budget - or a carrier that simply exits - can push total carrying cost past the breaking point. Those owners frequently sell ahead of any missed payment, so insurance distress works as an early, upstream read on future seller supply.