St. James County, LA: Home-Insurance Distress & Forced-Sale Pressure
St. James County, LA: 91/100 (severe) home-insurance distress; St. James, LA band HIGH; St. James, LA #94 of 3,222 counties; St. James, LA #12 of 64 in Louisiana; raw St. James, LA 89.3.
FEMA hazard, St. James, LA: 93/100; St. James, LA declarations, three years: 6; St. James, LA perils: 4 hurricane; St. James, LA five-year count 9 (severity 15.0); St. James, LA ten-year 9; hazard-weighted, St. James, LA: 20.0.
Declared incidents on the St. James, LA record: 2026 Winter Storm 3; 2024 Hurricane 6 (St. James, LA).
NFIP claims, St. James, LA, three years: 26; St. James, LA payouts $819,634; per St. James, LA claim $31,524; St. James, LA claim-stress 88/100.
St. James, LA monthly score held, 92 (March 2026) to 92 (October 2026); St. James, LA by month: March 92, April 92, May 92, June 92 (St. James, LA), July 93, August 91, September 91, October 92.
St. James, LA components: climate 95, NFIP claims 88; St. James, LA retreat index 92.
Construction distress, St. James, LA: 45/100 as of August 2026 (St. James, LA: 45/100 one-to-four unit, 5/100 multifamily).
St. James, LA ZIPs, June 2026 (St. James, LA, 7 highest): score 0 (St. James, LA), climate 73 (St. James, LA): 70090; score 0 (St. James, LA), climate 68 (St. James, LA): 70052, 70071, 70086, 70723, St. James, LA 70743, 70763.
DLRadar rescores St. James, LA monthly; St. James, LA readings join St. James, LA foreclosure, lien and ownership parcels (St. James, LA), so cost-squeezed St. James, LA owners surface before listing.
Inside Louisiana, St. James County ranks 12th of 64 counties for home-insurance distress at 91/100; Avoyelles County (92/100) sits just above St. James County, and Plaquemines County (89/100) sits just below St. James County.
Deterministic. Every St. James County, LA signal traces to a public St. James dataset (FEMA, NFIP, Census for St. James, LA) · how insurance distress works in St. James, LA · methodology
FAQ: St. James County, LA insurance distress
What is the St. James County, LA home-insurance-distress score?
St. James, LA: 91/100 (HIGH), #94 of 3,222, #12 in Louisiana. FEMA hazard, St. James, LA: 93/100; NFIP stress, St. James, LA: 88/100; construction, St. James, LA: 45/100; St. James, LA rescores monthly.
Is St. James County insurance distress getting better or worse (LA)?
St. James, LA: 92 in March 2026; St. James, LA: 92 in October 2026 (unchanged); St. James, LA climate component 95; St. James, LA NFIP claims score 88.
How many flood-insurance claims has St. James County, LA had?
St. James, LA: 26 NFIP claims, three years; St. James, LA paid $819,634; per St. James, LA claim $31,524; carriers reprice St. James, LA against that record.
Which St. James County ZIP codes carry the most insurance distress (LA)?
St. James, LA, June 2026: 70090 at 0, 70052 at 0, 70071 at 0, 70086 at 0; St. James, LA climate scores there: 73, 68, 68, 68.
Why does St. James, LA insurance distress create sellers?
A St. James, LA premium outruns the St. James, LA budget; a carrier leaves St. James, LA; St. James, LA carrying cost passes plan; St. James, LA owners sell while current; St. James, LA insurance distress leads St. James, LA foreclosure data.