Adair County, OK: Home-Insurance Distress & Forced-Sale Pressure
Adair County, OK: 21/100 (low) home-insurance distress; Adair, OK band LOW; Adair, OK #2,238 of 3,222 counties; Adair, OK #44 of 77 in Oklahoma; raw Adair, OK 24.3; Adair, OK coverage multiplier 0.85.
FEMA hazard, Adair, OK: 40/100; Adair, OK declarations, three years: 2; Adair, OK perils: 2 severe-storm; Adair, OK five-year count 3 (severity 6.0); Adair, OK ten-year 3; hazard-weighted, Adair, OK: 2.0.
Declared incidents on the Adair, OK record: 2025 Severe Storm 2 (Adair, OK).
NFIP claims, Adair, OK, three years: none; Adair, OK claim-stress 0/100.
Adair, OK monthly score fell, 26 (March 2026) to 20 (October 2026); Adair, OK by month: March 26, April 26, May 24, June 24 (Adair, OK), July 23, August 21, September 21, October 20.
Adair, OK components: climate 40; Adair, OK retreat index 20; Adair, OK climate multiplier 0.85.
Construction distress, Adair, OK: 10/100 as of August 2026 (Adair, OK: 9/100 one-to-four unit, 73/100 multifamily).
Adair, OK ZIPs, June 2026 (Adair, OK, 8 highest): score 0 (Adair, OK), climate 77 (Adair, OK): 74338; score 0 (Adair, OK), climate 74 (Adair, OK): 74347; score 0 (Adair, OK), climate 72 (Adair, OK): 74948; score 0 (Adair, OK), climate 64 (Adair, OK): 74457; score 0 (Adair, OK), climate 57 (Adair, OK): 74931; score 0 (Adair, OK), climate 50 (Adair, OK): 74964; score 0 (Adair, OK), climate 49 (Adair, OK): 74960; score 0 (Adair, OK), climate 48 (Adair, OK): 74965.
DLRadar rescores Adair, OK monthly; Adair, OK readings join Adair, OK foreclosure, lien and ownership parcels (Adair, OK), so cost-squeezed Adair, OK owners surface before listing.
Inside Oklahoma, Adair County ranks 44th of 77 counties for home-insurance distress at 21/100; Bryan County (21/100) sits just above Adair County, and Blaine County (21/100) sits just below Adair County.
Deterministic. Every Adair County, OK signal traces to a public Adair dataset (FEMA, NFIP, Census for Adair, OK) · how insurance distress works in Adair, OK · methodology
FAQ: Adair County, OK insurance distress
What is the Adair County, OK home-insurance-distress score?
Adair, OK: 21/100 (LOW), #2,238 of 3,222, #44 in Oklahoma. FEMA hazard, Adair, OK: 40/100; NFIP stress, Adair, OK: 0/100; construction, Adair, OK: 10/100; Adair, OK rescores monthly.
Is Adair County insurance distress getting better or worse (OK)?
Adair, OK: 26 in March 2026; Adair, OK: 20 in October 2026 (better); Adair, OK climate component 40.
Which Adair County ZIP codes carry the most insurance distress (OK)?
Adair, OK, June 2026: 74338 at 0, 74347 at 0, 74948 at 0, 74457 at 0; Adair, OK climate scores there: 77, 74, 72, 64.
Why does Adair, OK insurance distress create sellers?
A Adair, OK premium outruns the Adair, OK budget; a carrier leaves Adair, OK; Adair, OK carrying cost passes plan; Adair, OK owners sell while current; Adair, OK insurance distress leads Adair, OK foreclosure data.