Rankin County, MS: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Rankin County, Mississippi at 29/100 for home-insurance distress, a moderate level that places it #1587 of 3,222 counties, in the lower-risk band nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
The reading rests on a FEMA hazard score of 0/100; NFIP flood-claim stress of 86/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Rankin County.
Construction distress sits at 0/100, so the replacement cost insurers underwrite against is elevated here.
Rankin County's 29/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
With 10 flood claims and $490,352 in payouts on the three-year record, Rankin County gives underwriters a concrete reason to reprice or exit.
A 0/100 hazard base sitting alongside 86/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
Because coverage pressure seldom acts alone, Rankin County's 29/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.
Rankin County's 29/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #1587 position shifts between updates.
The nationwide monthly build covers all 3,222 counties and connects Rankin County reading to real foreclosure, tax-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
Rankin County insurance distress — FAQ
Is home insurance a problem for owners in Rankin County, Mississippi?
On the insurance-distress measure Rankin County comes in at 29/100, recomputed every month from federal and carrier sources.
How many federal flood claims has Rankin County filed?
Over the trailing three years, Rankin County recorded 10 NFIP flood claims with $490,352 paid out, roughly $49,035 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
How does carrying cost push Rankin County owners to sell?
Carriers repricing or withdrawing from Rankin 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.