Thomas County, GA: Home-Insurance Distress & Forced-Sale Pressure
Thomas County, GA: 50/100 (elevated) home-insurance distress; Thomas, GA band MEDIUM; Thomas, GA #1,088 of 3,222 counties; Thomas, GA #93 of 159 in Georgia; raw Thomas, GA 59.1; Thomas, GA coverage multiplier 0.85.
FEMA hazard, Thomas, GA: 98/100; Thomas, GA declarations, three years: 15; Thomas, GA perils: 3 hurricane, 12 tropical-storm; Thomas, GA five-year count 15 (severity 21.0); Thomas, GA ten-year 15; hazard-weighted, Thomas, GA: 51.0.
Declared incidents on the Thomas, GA record: 2026 Tropical Storm 3; 2024 Tropical Storm 9 (Thomas, GA); 2024 Hurricane 3; 2023 Hurricane 1 (Thomas, GA).
NFIP claims, Thomas, GA, three years: none; Thomas, GA claim-stress 0/100.
Thomas, GA monthly score rose, 49 (March 2026) to 50 (October 2026); Thomas, GA by month: March 49, April 49, May 49, June 49 (Thomas, GA), July 48, August 49, September 49, October 50.
Thomas, GA components: climate 98; Thomas, GA retreat index 50; Thomas, GA climate multiplier 0.85.
Construction distress, Thomas, GA: 87/100 as of August 2026 (Thomas, GA: 61/100 one-to-four unit, 100/100 multifamily).
Thomas, GA ZIPs, June 2026 (Thomas, GA, 9 highest): score 0 (Thomas, GA), climate 64 (Thomas, GA): 31738; score 0 (Thomas, GA), climate 63 (Thomas, GA): 31757; score 0 (Thomas, GA), climate 61 (Thomas, GA): 31626, 31765, 31773; score 0 (Thomas, GA), climate 59 (Thomas, GA): 31792; score 0 (Thomas, GA), climate 55 (Thomas, GA): 31779; score 0 (Thomas, GA), climate 46 (Thomas, GA): 31778; score 0 (Thomas, GA), climate 37 (Thomas, GA): 31720.
DLRadar rescores Thomas, GA monthly; Thomas, GA readings join Thomas, GA foreclosure, lien and ownership parcels (Thomas, GA), so cost-squeezed Thomas, GA owners surface before listing.
Inside Georgia, Thomas County ranks 93rd of 159 counties for home-insurance distress at 50/100; Spalding County (60/100) sits just above Thomas County, and Clinch County (50/100) sits just below Thomas County.
Deterministic. Every Thomas County, GA signal traces to a public Thomas dataset (FEMA, NFIP, Census for Thomas, GA) · how insurance distress works in Thomas, GA · methodology
FAQ: Thomas County, GA insurance distress
What is the Thomas County, GA home-insurance-distress score?
Thomas, GA: 50/100 (MEDIUM), #1,088 of 3,222, #93 in Georgia. FEMA hazard, Thomas, GA: 98/100; NFIP stress, Thomas, GA: 0/100; construction, Thomas, GA: 87/100; Thomas, GA rescores monthly.
Is Thomas County insurance distress getting better or worse (GA)?
Thomas, GA: 49 in March 2026; Thomas, GA: 50 in October 2026 (worse); Thomas, GA climate component 98.
Which Thomas County ZIP codes carry the most insurance distress (GA)?
Thomas, GA, June 2026: 31738 at 0, 31757 at 0, 31626 at 0, 31765 at 0; Thomas, GA climate scores there: 64, 63, 61, 61.
Why does Thomas, GA insurance distress create sellers?
A Thomas, GA premium outruns the Thomas, GA budget; a carrier leaves Thomas, GA; Thomas, GA carrying cost passes plan; Thomas, GA owners sell while current; Thomas, GA insurance distress leads Thomas, GA foreclosure data.