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

Insurance distress in Terrebonne County, Louisiana reads severe (93/100), among the very highest in the country — #45 nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

Hazard exposure of 96/100 alongside 88/100 in flood-claim stress is the combination that turns Terrebonne County owners into insurance-motivated sellers.

With 60 flood claims and $1,234,672 in payouts on the three-year record, Terrebonne County gives underwriters a concrete reason to reprice or exit.

The county risk profile leans heavily on hurricane, the hazard behind most of its recent federal declarations.

What 93/100 means on the ground in Terrebonne 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.

Driving it: a FEMA hazard score of 96/100; NFIP flood-claim stress of 88/100 over three years; 2 hurricane federal disaster declarations in three years, all of which push carriers toward higher rates or non-renewal.

Because coverage pressure seldom acts alone, Terrebonne County's 93/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.

The Terrebonne County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 93/100 reading reflects the current renewal environment rather than a historical average.

A 72/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. That surfaces the coverage-squeezed owners ahead of the market.