Baker County, GA: Home-Insurance Distress & Forced-Sale Pressure
Baker County, GA: 46/100 (elevated) home-insurance distress; Baker, GA band MEDIUM; Baker, GA #1,185 of 3,222 counties; Baker, GA #132 of 159 in Georgia; raw Baker, GA 53.7; Baker, GA coverage multiplier 0.85.
FEMA hazard, Baker, GA: 90/100; Baker, GA declarations, three years: 6; Baker, GA perils: 6 tropical-storm; Baker, GA five-year count 3 (severity 4.5); Baker, GA ten-year 3; hazard-weighted, Baker, GA: 18.0.
Declared incidents on the Baker, GA record: 2026 Tropical Storm 3; 2024 Tropical Storm 3 (Baker, GA).
NFIP claims, Baker, GA, three years: none; Baker, GA claim-stress 0/100.
Baker, GA monthly score rose, 37 (March 2026) to 45 (October 2026); Baker, GA by month: March 37, April 37, May 35, June 35 (Baker, GA), July 33, August 33, September 32, October 45.
Baker, GA components: climate 88; Baker, GA retreat index 45; Baker, GA climate multiplier 0.85.
Construction distress, Baker, GA: 25/100 as of August 2026 (Baker, GA: 25/100 one-to-four unit, 10/100 multifamily).
Baker, GA ZIPs, June 2026 (Baker, GA, 6 highest): score 0 (Baker, GA), climate 68 (Baker, GA): 31721; score 0 (Baker, GA), climate 29 (Baker, GA): 39841; score 0 (Baker, GA), climate 22 (Baker, GA): 39837; score 0 (Baker, GA), climate 21 (Baker, GA): 39813; score 0 (Baker, GA), climate 10 (Baker, GA): 39862; score 0 (Baker, GA), climate 7 (Baker, GA): 39870.
DLRadar rescores Baker, GA monthly; Baker, GA readings join Baker, GA foreclosure, lien and ownership parcels (Baker, GA), so cost-squeezed Baker, GA owners surface before listing.
Inside Georgia, Baker County ranks 132nd of 159 counties for home-insurance distress at 46/100; Wilkinson County (48/100) sits just above Baker County, and Barrow County (46/100) sits just below Baker County.
Deterministic. Every Baker County, GA signal traces to a public Baker dataset (FEMA, NFIP, Census for Baker, GA) · how insurance distress works in Baker, GA · methodology
FAQ: Baker County, GA insurance distress
What is the Baker County, GA home-insurance-distress score?
Baker, GA: 46/100 (MEDIUM), #1,185 of 3,222, #132 in Georgia. FEMA hazard, Baker, GA: 90/100; NFIP stress, Baker, GA: 0/100; construction, Baker, GA: 25/100; Baker, GA rescores monthly.
Is Baker County insurance distress getting better or worse (GA)?
Baker, GA: 37 in March 2026; Baker, GA: 45 in October 2026 (worse); Baker, GA climate component 88.
Which Baker County ZIP codes carry the most insurance distress (GA)?
Baker, GA, June 2026: 31721 at 0, 39841 at 0, 39837 at 0, 39813 at 0; Baker, GA climate scores there: 68, 29, 22, 21.
Why does Baker, GA insurance distress create sellers?
A Baker, GA premium outruns the Baker, GA budget; a carrier leaves Baker, GA; Baker, GA carrying cost passes plan; Baker, GA owners sell while current; Baker, GA insurance distress leads Baker, GA foreclosure data.