Charlton County, GA: Home-Insurance Distress & Forced-Sale Pressure
Charlton County, GA: 86/100 (severe) home-insurance distress; Charlton, GA band HIGH; Charlton, GA #180 of 3,222 counties; Charlton, GA #24 of 159 in Georgia.
FEMA hazard, Charlton, GA: 97/100; Charlton, GA declarations, three years: 8; Charlton, GA perils: 3 hurricane, 6 tropical-storm; Charlton, GA five-year count 15 (severity 21.0); Charlton, GA ten-year 15; hazard-weighted, Charlton, GA: 28.0.
Declared incidents on the Charlton, GA record: 2024 Tropical Storm 9; 2024 Hurricane 3 (Charlton, GA); 2023 Hurricane 1 (Charlton, GA).
NFIP claims, Charlton, GA, three years: 3; Charlton, GA payouts $71,572; per Charlton, GA claim $23,857; Charlton, GA claim-stress 71/100.
Charlton, GA monthly score fell, 87 (March 2026) to 86 (October 2026); Charlton, GA by month: March 87, April 87, May 87, June 87 (Charlton, GA), July 86, August 87, September 87, October 86.
Charlton, GA components: climate 97, NFIP claims 71; Charlton, GA retreat index 86.
Construction distress, Charlton, GA: 6/100 as of August 2026 (Charlton, GA: 35/100 one-to-four unit, 3/100 multifamily).
Charlton, GA ZIPs, June 2026 (Charlton, GA, 4 highest): score 41 (Charlton, GA), climate 20, price stress 50 (Charlton, GA): 31553; score 0 (Charlton, GA), climate 22 (Charlton, GA): 31537; score 0 (Charlton, GA), climate 21 (Charlton, GA): 31562; score 0 (Charlton, GA), climate 8 (Charlton, GA): 31631.
DLRadar rescores Charlton, GA monthly; Charlton, GA readings join Charlton, GA foreclosure, lien and ownership parcels (Charlton, GA), so cost-squeezed Charlton, GA owners surface before listing.
Inside Georgia, Charlton County ranks 34th of 159 counties for home-insurance distress at 86/100; Crisp County (87/100) sits just above Charlton County, and Bartow County (86/100) sits just below Charlton County.
Deterministic. Every Charlton County, GA signal traces to a public Charlton dataset (FEMA, NFIP, Census for Charlton, GA) · how insurance distress works in Charlton, GA · methodology
FAQ: Charlton County, GA insurance distress
What is the Charlton County, GA home-insurance-distress score?
Charlton, GA: 86/100 (HIGH), #180 of 3,222, #24 in Georgia. FEMA hazard, Charlton, GA: 97/100; NFIP stress, Charlton, GA: 71/100; construction, Charlton, GA: 6/100; Charlton, GA rescores monthly.
Is Charlton County insurance distress getting better or worse (GA)?
Charlton, GA: 87 in March 2026; Charlton, GA: 86 in October 2026 (better); Charlton, GA climate component 97; Charlton, GA NFIP claims score 71.
How many flood-insurance claims has Charlton County, GA had?
Charlton, GA: 3 NFIP claims, three years; Charlton, GA paid $71,572; per Charlton, GA claim $23,857; carriers reprice Charlton, GA against that record.
Which Charlton County ZIP codes carry the most insurance distress (GA)?
Charlton, GA, June 2026: 31553 at 41, 31537 at 0, 31562 at 0, 31631 at 0; Charlton, GA climate scores there: 20, 22, 21, 8.
Why does Charlton, GA insurance distress create sellers?
A Charlton, GA premium outruns the Charlton, GA budget; a carrier leaves Charlton, GA; Charlton, GA carrying cost passes plan; Charlton, GA owners sell while current; Charlton, GA insurance distress leads Charlton, GA foreclosure data.