Cleveland County, OK: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Cleveland County, Oklahoma is currently severe — an insurance-distress score of 78/100, in the top tier nationally at #427 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
Put the 71/100 hazard reading next to 88/100 in flood-claim stress and the pattern is a county where owners exit over premiums.
Replacement economics add to the squeeze — a 29/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
The pressure here is driven by a FEMA hazard score of 71/100; NFIP flood-claim stress of 88/100 over three years; 2 fire federal disaster declarations in three years — the exposures carriers price against and increasingly decline to renew.
DLRadar does not treat 78/100 as a standalone number — the Cleveland 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.
Carriers here underwrite around wildfire above all else, since it dominates the county three-year declaration record.
Each month new hazard revisions and claim settlements refresh Cleveland County, keeping its insurance-distress score aligned with the live market.
For an acquisition buyer, a severe reading of 78/100 in Cleveland County is a targeting cue: it says a meaningful slice of local owners face a coverage bill rising faster than they planned for, and some will sell rather than absorb it.
Over the trailing three years, Cleveland County recorded 15 NFIP flood claims totaling $651,165 paid (about $43,411 per claim) — the loss history that pushes premiums up and coverage out.
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. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Cleveland County insurance distress — FAQ
How bad is home-insurance distress in Cleveland County, Oklahoma?
The home-insurance-distress reading for Cleveland County is 78/100 (ranked #427 nationally), a MEDIUM level. FEMA hazard at 71/100, NFIP flood losses at 88/100 and carrier pullback drive it, and it updates every month from public data.
How much has flood insurance paid out in Cleveland County?
15 flood claims totalling $651,165 were filed in Cleveland County over the last three years.
Why does DLRadar treat insurance distress as an early signal in Cleveland County?
When coverage in Cleveland County becomes unaffordable or unavailable, the maths on holding the property changes. Owners in that position tend to list while still current on the mortgage, so the insurance signal arrives ahead of any foreclosure data.