Catahoula County, LA: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Catahoula County, Louisiana at 77/100 for home-insurance distress, a severe level that places it #458 of 3,222 counties, in the top tier nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
Construction distress sits at 99/100, so the replacement cost insurers underwrite against is elevated here.
A severe level of 77/100 in Catahoula County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
Because Catahoula County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #458 national rank moves as conditions do.
With 6 flood claims and $113,295 in payouts on the three-year record, Catahoula County gives underwriters a concrete reason to reprice or exit.
It is the combination -- 77/100 hazard, 76/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
What lifts Catahoula County's reading is a FEMA hazard score of 77/100; NFIP flood-claim stress of 76/100 over three years; 1 hurricane federal disaster declaration in three years; these are exactly the risks that widen premiums and thin the carrier pool.
Hurricane accounts for the bulk of declared events here, so it drives both pricing and withdrawal decisions.
On its own 77/100 is half a picture, so Catahoula County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
The nationwide monthly build covers all 3,222 counties and connects Catahoula County reading to real foreclosure, tax-lien and ownership records. The result is early access to owners whose trigger is insurance rather than default.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Catahoula County insurance distress — FAQ
How bad is home-insurance distress in Catahoula County, Louisiana?
DLRadar grades Catahoula County at 77/100 - MEDIUM, #458 of 3,222 U.S. counties. It combines FEMA hazard (77/100), three-year NFIP flood-claim stress (76/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What is the flood-claim history in Catahoula County?
Over the trailing three years, Catahoula County recorded 6 NFIP flood claims with $113,295 paid out, roughly $18,883 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Catahoula County?
In Catahoula County, a coverage bill that outruns the owner's budget - or a carrier that simply exits - can push total carrying cost past the breaking point. Those owners frequently sell ahead of any missed payment, so insurance distress works as an early, upstream read on future seller supply.