Union County, LA: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Union County, Louisiana is currently moderate — an insurance-distress score of 40/100, in the upper half of U.S. counties at #1260 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
What lifts Union County's reading is a FEMA hazard score of 78/100; NFIP flood-claim stress of 0/100 over three years; 1 hurricane federal disaster declaration in three years; these are exactly the risks that widen premiums and thin the carrier pool.
With construction distress at 1/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
Over the trailing three years, Union County recorded 0 NFIP flood claims totaling $0 paid (about $0 per claim) — the loss history that pushes premiums up and coverage out.
The 40/100 signal is only useful next to the rest: in Union County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.
Carriers here underwrite around hurricane above all else, since it dominates the county three-year declaration record.
Union County's 40/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #1260 position shifts between updates.
It is the combination -- 78/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
Read as a targeting input, 40/100 puts Union County #1260 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
The nationwide monthly build covers all 3,222 counties and connects Union County reading to real foreclosure, tax-lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Union County insurance distress — FAQ
Is home insurance a problem for owners in Union County, Louisiana?
DLRadar puts Union County at 40/100 for home-insurance distress, scored the same way as every other U.S. county.
How many flood-insurance claims has Union County had?
Over the trailing three years, Union County recorded 0 NFIP flood claims with $0 paid out, roughly $0 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why is insurance distress a leading signal in Union County?
Carriers repricing or withdrawing from Union County push total cost of ownership up without warning. Affected owners frequently sell pre-emptively, which is precisely the window DLRadar is trying to catch.