Smith County, MS: Home-Insurance Distress & Forced-Sale Pressure
Smith County, MS: 21/100 (low) home-insurance distress; Smith, MS band LOW; Smith, MS #2,164 of 3,222 counties; Smith, MS #52 of 82 in Mississippi; raw Smith, MS 24.3; Smith, MS coverage multiplier 0.85.
FEMA hazard, Smith, MS: 40/100; Smith, MS declarations, three years: 6; Smith, MS perils: 2 severe-storm; Smith, MS five-year count 9 (severity 15.0); Smith, MS ten-year 9; hazard-weighted, Smith, MS: 2.0.
Declared incidents on the Smith, MS record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Smith, MS); 2023 Severe Storm 1 (Smith, MS).
NFIP claims, Smith, MS, three years: none; Smith, MS claim-stress 0/100.
Smith, MS monthly score fell, 26 (March 2026) to 24 (October 2026); Smith, MS by month: March 26, April 26, May 24, June 24 (Smith, MS), July 33, August 21, September 21, October 24.
Smith, MS components: climate 47; Smith, MS retreat index 24; Smith, MS climate multiplier 0.85.
Construction distress, Smith, MS: 33/100 as of August 2026 (Smith, MS: 33/100 one-to-four unit, 0/100 multifamily).
Smith, MS ZIPs, June 2026 (Smith, MS, 15 highest): score 0 (Smith, MS), climate 85 (Smith, MS): 39042; score 0 (Smith, MS), climate 52 (Smith, MS): 39114; score 0 (Smith, MS), climate 48 (Smith, MS): 39117, 39168; score 0 (Smith, MS), climate 47 (Smith, MS): 39074, 39092; score 0 (Smith, MS), climate 46 (Smith, MS): 39111; score 0 (Smith, MS), climate 44 (Smith, MS): 39336; score 0 (Smith, MS), climate 43 (Smith, MS): 39152; score 0 (Smith, MS), climate 41 (Smith, MS): 39116, 39153; score 0 (Smith, MS), climate 39 (Smith, MS): 39119; score 0 (Smith, MS), climate 34 (Smith, MS): 39422; score 0 (Smith, MS), climate 33 (Smith, MS): 39338; score 0 (Smith, MS), climate 32 (Smith, MS): 39481.
DLRadar rescores Smith, MS monthly; Smith, MS readings join Smith, MS foreclosure, lien and ownership parcels (Smith, MS), so cost-squeezed Smith, MS owners surface before listing.
Inside Mississippi, Smith County ranks 52nd of 82 counties for home-insurance distress at 21/100; Sharkey County (21/100) sits just above Smith County, and Simpson County (21/100) sits just below Smith County.
Deterministic. Every Smith County, MS signal traces to a public Smith dataset (FEMA, NFIP, Census for Smith, MS) · how insurance distress works in Smith, MS · methodology
FAQ: Smith County, MS insurance distress
What is the Smith County, MS home-insurance-distress score?
Smith, MS: 21/100 (LOW), #2,164 of 3,222, #52 in Mississippi. FEMA hazard, Smith, MS: 40/100; NFIP stress, Smith, MS: 0/100; construction, Smith, MS: 33/100; Smith, MS rescores monthly.
Is Smith County insurance distress getting better or worse (MS)?
Smith, MS: 26 in March 2026; Smith, MS: 24 in October 2026 (better); Smith, MS climate component 47.
Which Smith County ZIP codes carry the most insurance distress (MS)?
Smith, MS, June 2026: 39042 at 0, 39114 at 0, 39117 at 0, 39168 at 0; Smith, MS climate scores there: 85, 52, 48, 48.
Why does Smith, MS insurance distress create sellers?
A Smith, MS premium outruns the Smith, MS budget; a carrier leaves Smith, MS; Smith, MS carrying cost passes plan; Smith, MS owners sell while current; Smith, MS insurance distress leads Smith, MS foreclosure data.