Lawrence County, OH: Home-Insurance Distress & Forced-Sale Pressure
Lawrence County, Ohio carries a moderate home-insurance-distress reading of 25/100 — ranked #1916 nationally, in the lower-risk band nationally. 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.
Flood losses tell the story: 3 NFIP claims and $80,555 paid out over three years, averaging $26,852 apiece -- exactly the history that hardens rates.
DLRadar reads Lawrence County's 25/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.
The gap between physical hazard (0/100) and realized flood losses (74/100) is what DLRadar watches to flag insurance-driven sellers in Lawrence County.
In practice, Lawrence County's moderate insurance-distress level (25/100, #1916 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.
The reading rests on a FEMA hazard score of 0/100; NFIP flood-claim stress of 74/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Lawrence County.
The Lawrence County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 25/100 reading reflects the current renewal environment rather than a historical average.
With construction distress at 38/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. It turns a premium shock into a contactable seller list ahead of the listing.
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, Ohio?
On the insurance-distress measure Lawrence County comes in at 25/100, recomputed every month from federal and carrier sources.
What does the flood-loss record look like in Lawrence County?
Federal flood data puts Lawrence County at 3 claims in three years, $80,555 paid out.
Why does DLRadar treat insurance distress as an early signal in Lawrence County?
When premiums in Lawrence County rise faster than owners budgeted - or carriers stop writing policies altogether - the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.