Mississippi Home-Insurance Distress by County

Home-insurance distress across Mississippi is below the national average, with an average county insurance-distress score of 24/100 — the 34th-highest of the 52 states and territories DLRadar scores. All 82 Mississippi counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

1 of Mississippi's 82 counties carry a severe insurance-distress score of 70 or higher — where coverage is hardest to keep and carrying cost, not the mortgage, is the sale trigger.

Mississippi's three-year flood-loss record — 201 claims, $5,297,931 paid — is the evidence carriers cite for pullback.

Behind the state number sit an average FEMA hazard score of 20/100 and average NFIP flood-claim stress of 36/100, the hazard basis insurers use to reprice Mississippi coverage.

Across Mississippi, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

The Mississippi average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

Underneath the Mississippi headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

Because Mississippi is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #34 national rank and county order move with actual conditions, not a fixed snapshot.

At the top of the Mississippi table sits Hancock County (75/100) and Pearl River County. The table underneath sorts all Mississippi counties by insurance distress, with a link to each detail page.

The takeaway for Mississippi is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. So in Mississippi you can find the owners whose breaking point is the insurance bill, before they list.