Louisiana Home-Insurance Distress by County

Across Louisiana, insurance distress averages 73/100 at the county level — among the most severe in the country, ranking 4th nationally. Every one of Louisiana's 64 counties is monitored for coverage pressure — the force that pushes owners to list before any default shows.

The sharpest pressure concentrates in St. Charles County (96/100, #15 nationally) and Lafourche County. Below is every Louisiana county ranked by coverage pressure, linked to its individual read.

In 44 Louisiana counties the score tops 70 (severe) — the markets where keeping a policy is the real problem.

The Louisiana average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

Across Louisiana, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

Louisiana's reading is built on an average FEMA hazard score of 84/100 and average NFIP flood-claim stress of 62/100; those are the risks behind rate hikes and non-renewals here.

DLRadar re-scores every Louisiana county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.

NFIP paid $148,214,666 across 3,534 Louisiana flood claims in three years; that ledger is what reprices coverage statewide.

What Louisiana's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two Louisiana counties with similar weather can diverge sharply on distress.

For Louisiana, the practical value is early identification — coverage-pressured owners surface here before they appear in any foreclosure feed, county by county down the list.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. So in Louisiana you can find the owners whose breaking point is the insurance bill, before they list.