Craig County, OK: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Craig County, Oklahoma at 0/100 for home-insurance distress, a low level that places it #2983 of 3,222 counties, in the lower-risk band nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 0/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
Flood losses tell the story: 0 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.
Insurers set premiums from replacement cost, and at 94/100 that input is running hot in Craig County.
A #2983 national standing means little alone; DLRadar pairs Craig County's coverage stress with default and ownership data before calling a parcel distressed.
What 0/100 means on the ground in Craig County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.
Monthly rebuilds keep Craig County honest: 0/100 reflects the renewal environment carriers are pricing right now.
A 0/100 hazard base sitting alongside 0/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. The point is reaching those owners while carrying cost is still the problem, not after the filing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Craig County insurance distress — FAQ
How bad is home-insurance distress in Craig County, Oklahoma?
The home-insurance-distress reading for Craig County is 0/100 (ranked #2983 nationally), a ZERO level. FEMA hazard at 0/100, NFIP flood losses at 0/100 and carrier pullback drive it, and it updates every month from public data.
What is the NFIP flood-claim history for Craig County?
Over the trailing three years, Craig County recorded 0 NFIP flood claims with $0 paid out, roughly $0 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does DLRadar treat insurance distress as an early signal in Craig County?
Rising or unavailable coverage in Craig 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.