Cotton County, OK: Home-Insurance Distress & Forced-Sale Pressure
Cotton County, OK: 24/100 (low) home-insurance distress; Cotton, OK band LOW; Cotton, OK #1,994 of 3,222 counties; Cotton, OK #41 of 77 in Oklahoma; raw Cotton, OK 27.9; Cotton, OK coverage multiplier 0.85.
FEMA hazard, Cotton, OK: 0/100; Cotton, OK declarations, three years: 3; Cotton, OK five-year count 6 (severity 7.5); Cotton, OK ten-year 6.
Declared incidents on the Cotton, OK record: 2024 Tornado 2; 2023 Severe Storm 1 (Cotton, OK).
NFIP claims, Cotton, OK, three years: 2; Cotton, OK payouts $59,622; per Cotton, OK claim $29,811; Cotton, OK claim-stress 70/100.
Cotton, OK monthly score: 24 in every month from March 2026 (Cotton, OK) through October 2026.
Cotton, OK components: NFIP claims 70; Cotton, OK retreat index 24; Cotton, OK climate multiplier 0.85.
Construction distress, Cotton, OK: 91/100 as of August 2026 (Cotton, OK: 86/100 one-to-four unit, 33/100 multifamily).
Cotton, OK ZIPs, June 2026 (Cotton, OK, 11 highest): score 0 (Cotton, OK), climate 82 (Cotton, OK): 73540; score 0 (Cotton, OK), climate 65 (Cotton, OK): 73533; score 0 (Cotton, OK), climate 62 (Cotton, OK): 73543; score 0 (Cotton, OK), climate 53 (Cotton, OK): 73529; score 0 (Cotton, OK), climate 18 (Cotton, OK): 73528; score 0 (Cotton, OK), climate 16 (Cotton, OK): 73548; score 0 (Cotton, OK), climate 11 (Cotton, OK): 73546; score 0 (Cotton, OK), climate 8 (Cotton, OK): 73572; score 0 (Cotton, OK), climate 5 (Cotton, OK): 73531, 73562, 73568.
DLRadar rescores Cotton, OK monthly; Cotton, OK readings join Cotton, OK foreclosure, lien and ownership parcels (Cotton, OK), so cost-squeezed Cotton, OK owners surface before listing.
Inside Oklahoma, Cotton County ranks 41st of 77 counties for home-insurance distress at 24/100; Mccurtain County (24/100) sits just above Cotton County, and Latimer County (22/100) sits just below Cotton County.
Deterministic. Every Cotton County, OK signal traces to a public Cotton dataset (FEMA, NFIP, Census for Cotton, OK) · how insurance distress works in Cotton, OK · methodology
FAQ: Cotton County, OK insurance distress
What is the Cotton County, OK home-insurance-distress score?
Cotton, OK: 24/100 (LOW), #1,994 of 3,222, #41 in Oklahoma. FEMA hazard, Cotton, OK: 0/100; NFIP stress, Cotton, OK: 70/100; construction, Cotton, OK: 91/100; Cotton, OK rescores monthly.
Is Cotton County insurance distress getting better or worse (OK)?
Cotton, OK: 24 in March 2026; Cotton, OK: 24 in October 2026 (unchanged); Cotton, OK NFIP claims score 70.
How many flood-insurance claims has Cotton County, OK had?
Cotton, OK: 2 NFIP claims, three years; Cotton, OK paid $59,622; per Cotton, OK claim $29,811; carriers reprice Cotton, OK against that record.
Which Cotton County ZIP codes carry the most insurance distress (OK)?
Cotton, OK, June 2026: 73540 at 0, 73533 at 0, 73543 at 0, 73529 at 0; Cotton, OK climate scores there: 82, 65, 62, 53.
Why does Cotton, OK insurance distress create sellers?
A Cotton, OK premium outruns the Cotton, OK budget; a carrier leaves Cotton, OK; Cotton, OK carrying cost passes plan; Cotton, OK owners sell while current; Cotton, OK insurance distress leads Cotton, OK foreclosure data.