Lawrence County, MS: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Lawrence County, Mississippi is currently low — an insurance-distress score of 21/100, in the lower-risk band nationally at #2135 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.
The federal flood record here -- 0 claims at roughly $0 each -- is the loss experience premiums are built on.
DLRadar re-scores Lawrence County every month against the latest FEMA, NFIP and carrier data, so 21/100 tracks the live market — not a snapshot frozen at some earlier point.
The 21/100 signal is only useful next to the rest: in Lawrence 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.
With construction distress at 0/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
A 41/100 hazard base sitting alongside 0/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
What lifts Lawrence County's reading is a FEMA hazard score of 41/100; NFIP flood-claim stress of 0/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
For a buyer, Lawrence County at 21/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.
One model, every county, refreshed monthly from federal hazard and carrier data, tied back to individual parcels and their liens. The point is reaching those owners while carrying cost is still the problem, not after the filing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Lawrence County insurance distress — FAQ
Is home insurance a problem for owners in Lawrence County, Mississippi?
DLRadar grades Lawrence County at 21/100 - LOW, #2135 of 3,222 U.S. counties. It combines FEMA hazard (41/100), three-year NFIP flood-claim stress (0/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
How much has flood insurance paid out in Lawrence County?
Over the trailing three years, Lawrence 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 does DLRadar treat insurance distress as an early signal in Lawrence County?
When coverage in Lawrence County becomes unaffordable or unavailable, the maths on holding the property changes. Owners in that position tend to list while still current on the mortgage, so the insurance signal arrives ahead of any foreclosure data.