Assumption County, LA: Home-Insurance Distress & Forced-Sale Pressure

DLRadar grades Assumption County, Louisiana at 89/100 for home-insurance distress, a severe level that places it #123 of 3,222 counties, in the top tier nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

The federal flood record here -- 12 claims at roughly $23,244 each -- is the loss experience premiums are built on.

Read together, a 94/100 hazard base and 82/100 flood-claim stress explain why Assumption County screens as a place where coverage cost, not the loan, is the likely sale trigger.

The reading rests on a FEMA hazard score of 94/100; NFIP flood-claim stress of 82/100 over three years; 2 hurricane federal disaster declarations in three years - the specific exposures that widen premiums and shrink the carrier pool in Assumption County.

DLRadar does not treat 89/100 as a standalone number — the Assumption County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

Underwriters read this county through hurricane first -- it is the recurring driver in the declaration history.

What 89/100 means on the ground in Assumption County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.

Construction distress sits at 77/100, so the replacement cost insurers underwrite against is elevated here.

Each month new hazard revisions and claim settlements refresh Assumption County, keeping its insurance-distress score aligned with the live market.

The nationwide monthly build covers all 3,222 counties and connects Assumption County reading to real foreclosure, tax-lien and ownership records. The point is reaching those owners while carrying cost is still the problem, not after the filing.