Scott County, MS: Home-Insurance Distress & Forced-Sale Pressure

Scott County, Mississippi carries a elevated home-insurance-distress reading of 56/100 — ranked #939 nationally, in the upper half of U.S. counties. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.

Read together, a 41/100 hazard base and 78/100 flood-claim stress explain why Scott County screens as a place where coverage cost, not the loan, is the likely sale trigger.

DLRadar does not treat 56/100 as a standalone number — the Scott County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

The county's three-year flood-loss ledger — 3 claims, $144,096 paid (~$48,032/claim) — is the evidence carriers use to justify higher rates or withdrawal.

Insurers set premiums from replacement cost, and at 40/100 that input is running hot in Scott County.

Scott County's 56/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #939 position shifts between updates.

A elevated level of 56/100 in Scott County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

Driving it: a FEMA hazard score of 41/100; NFIP flood-claim stress of 78/100 over three years, all of which push carriers toward higher rates or non-renewal.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. The result is early access to owners whose trigger is insurance rather than default.