Harper County, OK: Home-Insurance Distress & Forced-Sale Pressure
Harper County, OK: 0/100 (low) home-insurance distress; Harper, OK band ZERO; Harper, OK #2,999 of 3,222 counties; Harper, OK #65 of 77 in Oklahoma; Harper, OK coverage multiplier 0.70.
FEMA hazard, Harper, OK: 0/100; Harper, OK declarations, three years: none; Harper, OK five-year count 3 (severity 3.0); Harper, OK ten-year 3.
Declared incidents on the Harper, OK record: 2023 Severe Storm 1 (Harper, OK).
NFIP claims, Harper, OK, three years: none; Harper, OK claim-stress 0/100.
Harper, OK monthly score: 0 in every month from March 2026 (Harper, OK) through October 2026.
Harper, OK components: all zero this month; Harper, OK climate multiplier 0.70.
Construction distress, Harper, OK: 89/100 as of August 2026 (Harper, OK: 89/100 one-to-four unit, 0/100 multifamily).
Harper, OK ZIPs, June 2026 (Harper, OK, 7 highest): score 0 (Harper, OK), climate 43 (Harper, OK): 73801; score 0 (Harper, OK), climate 41 (Harper, OK): 73834, 73855; score 0 (Harper, OK), climate 40 (Harper, OK): 73844, 73848; score 0 (Harper, OK), climate 37 (Harper, OK): 73842; score 0 (Harper, OK), climate 27 (Harper, OK): 73851.
DLRadar rescores Harper, OK monthly; Harper, OK readings join Harper, OK foreclosure, lien and ownership parcels (Harper, OK), so cost-squeezed Harper, OK owners surface before listing.
Inside Oklahoma, Harper County ranks 65th of 77 counties for home-insurance distress at 0/100; Harmon County (0/100) sits just above Harper County, and Haskell County (0/100) sits just below Harper County.
Deterministic. Every Harper County, OK signal traces to a public Harper dataset (FEMA, NFIP, Census for Harper, OK) · how insurance distress works in Harper, OK · methodology
FAQ: Harper County, OK insurance distress
What is the Harper County, OK home-insurance-distress score?
Harper, OK: 0/100 (ZERO), #2,999 of 3,222, #65 in Oklahoma. FEMA hazard, Harper, OK: 0/100; NFIP stress, Harper, OK: 0/100; construction, Harper, OK: 89/100; Harper, OK rescores monthly.
Is Harper County insurance distress getting better or worse (OK)?
Harper, OK: 0 in March 2026; Harper, OK: 0 in October 2026 (unchanged).
Which Harper County ZIP codes carry the most insurance distress (OK)?
Harper, OK, June 2026: 73801 at 0, 73834 at 0, 73855 at 0, 73844 at 0; Harper, OK climate scores there: 43, 41, 41, 40.
Why does Harper, OK insurance distress create sellers?
A Harper, OK premium outruns the Harper, OK budget; a carrier leaves Harper, OK; Harper, OK carrying cost passes plan; Harper, OK owners sell while current; Harper, OK insurance distress leads Harper, OK foreclosure data.