Coahoma County, MS: Home-Insurance Distress & Forced-Sale Pressure
Coahoma County, Mississippi carries a moderate home-insurance-distress reading of 25/100 — ranked #1905 nationally, in the lower-risk band nationally. More and more, it is the insurance bill rather than the mortgage that turns a Coahoma County owner into a seller.
Flood losses tell the story: 2 NFIP claims and $89,615 paid out over three years, averaging $44,808 apiece -- exactly the history that hardens rates.
Rebuild-cost inflation compounds it: construction-distress reads 86/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.
It is the combination -- 0/100 hazard, 75/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
Because coverage pressure seldom acts alone, Coahoma County's 25/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.
Read as a targeting input, 25/100 puts Coahoma County #1905 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
The Coahoma County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 25/100 reading reflects the current renewal environment rather than a historical average.
The reading rests on a FEMA hazard score of 0/100; NFIP flood-claim stress of 75/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Coahoma County.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Coahoma County insurance distress — FAQ
How bad is home-insurance distress in Coahoma County, Mississippi?
DLRadar grades Coahoma County at 25/100 - LOW, #1905 of 3,222 U.S. counties. It combines FEMA hazard (0/100), three-year NFIP flood-claim stress (75/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
How much has NFIP paid out in Coahoma County?
Coahoma County recorded 2 NFIP flood claims over the trailing three years, with $89,615 paid -- the loss record carriers price against.
How does carrying cost push Coahoma County owners to sell?
When premiums in Coahoma County rise faster than owners budgeted - or carriers stop writing policies altogether - the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.