Surry County, NC: Home-Insurance Distress & Forced-Sale Pressure
Surry County, North Carolina carries a elevated home-insurance-distress reading of 47/100 — ranked #1069 nationally, in the upper half of U.S. counties. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
Surry County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
Physical exposure at 93/100 and claim experience at 0/100 together mark Surry County as a market where coverage, not the mortgage, forces the sale.
Because premiums track rebuild cost, a 52/100 construction-distress reading in Surry County feeds straight through to what owners are quoted.
NFIP paid $0 across 0 Surry County flood claims in three years, roughly $0 each; that record is what reprices coverage.
Driving it: a FEMA hazard score of 93/100; NFIP flood-claim stress of 0/100 over three years, all of which push carriers toward higher rates or non-renewal.
The 47/100 signal is only useful next to the rest: in Surry 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.
For a buyer, Surry County at 47/100 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.
DLRadar rebuilds insurance distress nationwide each month and wires Surry County score into the parcel-level foreclosure and ownership graph. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Surry County insurance distress — FAQ
What is the home-insurance-distress score for Surry County, North Carolina?
Surry County registers 47/100 on DLRadar home-insurance distress scale, a monthly read built from FEMA hazard, NFIP claim and carrier-pressure inputs.
What is Surry County three-year flood-claim total?
In the last three years NFIP settled 0 flood claims in Surry County totaling $0, near $0 per claim. Insurers read that ledger directly into premiums and renewal decisions.
What links coverage pressure to motivated sellers in Surry County?
Rising or unavailable coverage in Surry County raises the true cost of holding a home, and once that cost crosses what an owner can carry, selling becomes the rational move - usually before foreclosure ever enters the picture. That lead time is exactly why DLRadar scores it.