Effingham County, GA: Home-Insurance Distress & Forced-Sale Pressure
Effingham County, GA: 93/100 (severe) home-insurance distress; Effingham, GA band HIGH; Effingham, GA #64 of 3,222 counties; Effingham, GA #6 of 159 in Georgia; raw Effingham, GA 92.0.
FEMA hazard, Effingham, GA: 97/100; Effingham, GA declarations, three years: 8; Effingham, GA perils: 3 hurricane, 6 tropical-storm; Effingham, GA five-year count 12 (severity 18.0); Effingham, GA ten-year 12; hazard-weighted, Effingham, GA: 28.0.
Declared incidents on the Effingham, GA record: 2024 Tropical Storm 9; 2024 Hurricane 3 (Effingham, GA).
NFIP claims, Effingham, GA, three years: 32; Effingham, GA payouts $802,146; per Effingham, GA claim $25,067; Effingham, GA claim-stress 87/100.
Effingham, GA monthly score held, 93 (March 2026) to 93 (October 2026); Effingham, GA by month: March 93, April 93, May 93, June 93 (Effingham, GA), July 92, August 93, September 93, October 93.
Effingham, GA components: climate 97, NFIP claims 87; Effingham, GA retreat index 93.
Construction distress, Effingham, GA: 72/100 as of August 2026 (Effingham, GA: 81/100 one-to-four unit, 3/100 multifamily).
Effingham, GA ZIPs, June 2026 (Effingham, GA, 8 highest): score 0 (Effingham, GA), climate 83 (Effingham, GA): 31302; score 0 (Effingham, GA), climate 63 (Effingham, GA): 31303, 31307, 31312, 31318, Effingham, GA 31326, 31329; score 0 (Effingham, GA), climate 48 (Effingham, GA): 30446.
DLRadar rescores Effingham, GA monthly; Effingham, GA readings join Effingham, GA foreclosure, lien and ownership parcels (Effingham, GA), so cost-squeezed Effingham, GA owners surface before listing.
Inside Georgia, Effingham County ranks 7th of 159 counties for home-insurance distress at 93/100; Butts County (93/100) sits just above Effingham County, and Evans County (92/100) sits just below Effingham County.
Deterministic. Every Effingham County, GA signal traces to a public Effingham dataset (FEMA, NFIP, Census for Effingham, GA) · how insurance distress works in Effingham, GA · methodology
FAQ: Effingham County, GA insurance distress
What is the Effingham County, GA home-insurance-distress score?
Effingham, GA: 93/100 (HIGH), #64 of 3,222, #6 in Georgia. FEMA hazard, Effingham, GA: 97/100; NFIP stress, Effingham, GA: 87/100; construction, Effingham, GA: 72/100; Effingham, GA rescores monthly.
Is Effingham County insurance distress getting better or worse (GA)?
Effingham, GA: 93 in March 2026; Effingham, GA: 93 in October 2026 (unchanged); Effingham, GA climate component 97; Effingham, GA NFIP claims score 87.
How many flood-insurance claims has Effingham County, GA had?
Effingham, GA: 32 NFIP claims, three years; Effingham, GA paid $802,146; per Effingham, GA claim $25,067; carriers reprice Effingham, GA against that record.
Which Effingham County ZIP codes carry the most insurance distress (GA)?
Effingham, GA, June 2026: 31302 at 0, 31303 at 0, 31307 at 0, 31312 at 0; Effingham, GA climate scores there: 83, 63, 63, 63.
Why does Effingham, GA insurance distress create sellers?
A Effingham, GA premium outruns the Effingham, GA budget; a carrier leaves Effingham, GA; Effingham, GA carrying cost passes plan; Effingham, GA owners sell while current; Effingham, GA insurance distress leads Effingham, GA foreclosure data.