Spalding County, GA: Home-Insurance Distress & Forced-Sale Pressure
Spalding County, GA: 60/100 (elevated) home-insurance distress; Spalding, GA band MEDIUM; Spalding, GA #897 of 3,222 counties; Spalding, GA #92 of 159 in Georgia.
FEMA hazard, Spalding, GA: 90/100; Spalding, GA declarations, three years: 9; Spalding, GA perils: 6 tropical-storm; Spalding, GA five-year count 6 (severity 10.5); Spalding, GA ten-year 6; hazard-weighted, Spalding, GA: 18.0.
Declared incidents on the Spalding, GA record: 2026 Winter Storm 3; 2026 Tropical Storm 3 (Spalding, GA); 2024 Tropical Storm 3 (Spalding, GA).
NFIP claims, Spalding, GA, three years: 1; Spalding, GA payouts $0; per Spalding, GA claim $0; Spalding, GA claim-stress 15/100.
Spalding, GA monthly score rose, 50 (March 2026) to 59 (October 2026); Spalding, GA by month: March 50, April 50, May 48, June 48 (Spalding, GA), July 46, August 45, September 45, October 59.
Spalding, GA components: climate 88, NFIP claims 15; Spalding, GA retreat index 59.
Construction distress, Spalding, GA: 48/100 as of August 2026 (Spalding, GA: 48/100 one-to-four unit, 0/100 multifamily).
Spalding, GA ZIPs, June 2026 (Spalding, GA, 7 highest): score 0 (Spalding, GA), climate 81 (Spalding, GA): 30228; score 0 (Spalding, GA), climate 74 (Spalding, GA): 30248; score 0 (Spalding, GA), climate 58 (Spalding, GA): 30205; score 0 (Spalding, GA), climate 44 (Spalding, GA): 30223, 30284; score 0 (Spalding, GA), climate 35 (Spalding, GA): 30224; score 0 (Spalding, GA), climate 16 (Spalding, GA): 30292.
DLRadar rescores Spalding, GA monthly; Spalding, GA readings join Spalding, GA foreclosure, lien and ownership parcels (Spalding, GA), so cost-squeezed Spalding, GA owners surface before listing.
Inside Georgia, Spalding County ranks 92nd of 159 counties for home-insurance distress at 60/100; Sumter County (61/100) sits just above Spalding County, and Thomas County (50/100) sits just below Spalding County.
Deterministic. Every Spalding County, GA signal traces to a public Spalding dataset (FEMA, NFIP, Census for Spalding, GA) · how insurance distress works in Spalding, GA · methodology
FAQ: Spalding County, GA insurance distress
What is the Spalding County, GA home-insurance-distress score?
Spalding, GA: 60/100 (MEDIUM), #897 of 3,222, #92 in Georgia. FEMA hazard, Spalding, GA: 90/100; NFIP stress, Spalding, GA: 15/100; construction, Spalding, GA: 48/100; Spalding, GA rescores monthly.
Is Spalding County insurance distress getting better or worse (GA)?
Spalding, GA: 50 in March 2026; Spalding, GA: 59 in October 2026 (worse); Spalding, GA climate component 88; Spalding, GA NFIP claims score 15.
How many flood-insurance claims has Spalding County, GA had?
Spalding, GA: 1 NFIP claims, three years; Spalding, GA paid $0; per Spalding, GA claim $0; carriers reprice Spalding, GA against that record.
Which Spalding County ZIP codes carry the most insurance distress (GA)?
Spalding, GA, June 2026: 30228 at 0, 30248 at 0, 30205 at 0, 30223 at 0; Spalding, GA climate scores there: 81, 74, 58, 44.
Why does Spalding, GA insurance distress create sellers?
A Spalding, GA premium outruns the Spalding, GA budget; a carrier leaves Spalding, GA; Spalding, GA carrying cost passes plan; Spalding, GA owners sell while current; Spalding, GA insurance distress leads Spalding, GA foreclosure data.