Stephens County, GA: Home-Insurance Distress & Forced-Sale Pressure
Stephens County, GA: 48/100 (elevated) home-insurance distress; Stephens, GA band MEDIUM; Stephens, GA #1,148 of 3,222 counties; Stephens, GA #126 of 159 in Georgia; raw Stephens, GA 51.4; Stephens, GA coverage multiplier 0.85.
FEMA hazard, Stephens, GA: 94/100; Stephens, GA declarations, three years: 6; Stephens, GA perils: 3 hurricane, 2 tropical-storm; Stephens, GA five-year count 9 (severity 15.0); Stephens, GA ten-year 9; hazard-weighted, Stephens, GA: 16.0.
Declared incidents on the Stephens, GA record: 2026 Winter Storm 3; 2024 Tropical Storm 3 (Stephens, GA); 2024 Hurricane 3 (Stephens, GA).
NFIP claims, Stephens, GA, three years: none; Stephens, GA claim-stress 0/100.
Stephens, GA monthly score rose, 47 (March 2026) to 48 (October 2026); Stephens, GA by month: March 47, April 47, May 47, June 47 (Stephens, GA), July 44, August 46, September 46, October 48.
Stephens, GA components: climate 93; Stephens, GA retreat index 48; Stephens, GA climate multiplier 0.85.
Construction distress, Stephens, GA: 34/100 as of August 2026 (Stephens, GA: 35/100 one-to-four unit, 0/100 multifamily).
Stephens, GA ZIPs, June 2026 (Stephens, GA, 6 highest): score 0 (Stephens, GA), climate 40 (Stephens, GA): 30563; score 0 (Stephens, GA), climate 31 (Stephens, GA): 30538, 30577, 30598; score 0 (Stephens, GA), climate 30 (Stephens, GA): 30557; score 0 (Stephens, GA), climate 16 (Stephens, GA): 30511.
DLRadar rescores Stephens, GA monthly; Stephens, GA readings join Stephens, GA foreclosure, lien and ownership parcels (Stephens, GA), so cost-squeezed Stephens, GA owners surface before listing.
Inside Georgia, Stephens County ranks 126th of 159 counties for home-insurance distress at 48/100; Oglethorpe County (48/100) sits just above Stephens County, and Taliaferro County (48/100) sits just below Stephens County.
Deterministic. Every Stephens County, GA signal traces to a public Stephens dataset (FEMA, NFIP, Census for Stephens, GA) · how insurance distress works in Stephens, GA · methodology
FAQ: Stephens County, GA insurance distress
What is the Stephens County, GA home-insurance-distress score?
Stephens, GA: 48/100 (MEDIUM), #1,148 of 3,222, #126 in Georgia. FEMA hazard, Stephens, GA: 94/100; NFIP stress, Stephens, GA: 0/100; construction, Stephens, GA: 34/100; Stephens, GA rescores monthly.
Is Stephens County insurance distress getting better or worse (GA)?
Stephens, GA: 47 in March 2026; Stephens, GA: 48 in October 2026 (worse); Stephens, GA climate component 93.
Which Stephens County ZIP codes carry the most insurance distress (GA)?
Stephens, GA, June 2026: 30563 at 0, 30538 at 0, 30577 at 0, 30598 at 0; Stephens, GA climate scores there: 40, 31, 31, 31.
Why does Stephens, GA insurance distress create sellers?
A Stephens, GA premium outruns the Stephens, GA budget; a carrier leaves Stephens, GA; Stephens, GA carrying cost passes plan; Stephens, GA owners sell while current; Stephens, GA insurance distress leads Stephens, GA foreclosure data.