Lincoln County, OK: Home-Insurance Distress & Forced-Sale Pressure
Lincoln County, OK: 43/100 (moderate) home-insurance distress; Lincoln, OK band MEDIUM; Lincoln, OK #1,277 of 3,222 counties; Lincoln, OK #22 of 77 in Oklahoma; raw Lincoln, OK 50.4; Lincoln, OK coverage multiplier 0.85.
FEMA hazard, Lincoln, OK: 84/100; Lincoln, OK declarations, three years: 10; Lincoln, OK perils: 6 fire, 2 severe-storm; Lincoln, OK five-year count 15 (severity 28.5); Lincoln, OK ten-year 15; hazard-weighted, Lincoln, OK: 14.0.
Declared incidents on the Lincoln, OK record: 2025 Fire 6; 2025 Severe Storm 2 (Lincoln, OK); 2024 Tornado 2 (Lincoln, OK).
NFIP claims, Lincoln, OK, three years: none; Lincoln, OK claim-stress 0/100.
Lincoln, OK monthly score fell, 47 (March 2026) to 42 (October 2026); Lincoln, OK by month: March 47, April 47, May 46, June 46 (Lincoln, OK), July 43, August 45, September 44, October 42.
Lincoln, OK components: climate 83; Lincoln, OK retreat index 42; Lincoln, OK climate multiplier 0.85.
Construction distress, Lincoln, OK: 52/100 as of August 2026 (Lincoln, OK: 49/100 one-to-four unit, 36/100 multifamily).
Lincoln, OK ZIPs, June 2026 (Lincoln, OK, 16 highest): score 0 (Lincoln, OK), climate 91 (Lincoln, OK): 73054; score 0 (Lincoln, OK), climate 85 (Lincoln, OK): 73045; score 0 (Lincoln, OK), climate 82 (Lincoln, OK): 74028; score 0 (Lincoln, OK), climate 78 (Lincoln, OK): 74059; score 0 (Lincoln, OK), climate 76 (Lincoln, OK): 74023, 74851; score 0 (Lincoln, OK), climate 70 (Lincoln, OK): 74079, 74864; score 0 (Lincoln, OK), climate 67 (Lincoln, OK): 74824, 74855, 74881; score 0 (Lincoln, OK), climate 66 (Lincoln, OK): 74026, 74832, 74834, 74869, Lincoln, OK 74875.
DLRadar rescores Lincoln, OK monthly; Lincoln, OK readings join Lincoln, OK foreclosure, lien and ownership parcels (Lincoln, OK), so cost-squeezed Lincoln, OK owners surface before listing.
Inside Oklahoma, Lincoln County ranks 22nd of 77 counties for home-insurance distress at 43/100; Payne County (45/100) sits just above Lincoln County, and Logan County (40/100) sits just below Lincoln County.
Deterministic. Every Lincoln County, OK signal traces to a public Lincoln dataset (FEMA, NFIP, Census for Lincoln, OK) · how insurance distress works in Lincoln, OK · methodology
FAQ: Lincoln County, OK insurance distress
What is the Lincoln County, OK home-insurance-distress score?
Lincoln, OK: 43/100 (MEDIUM), #1,277 of 3,222, #22 in Oklahoma. FEMA hazard, Lincoln, OK: 84/100; NFIP stress, Lincoln, OK: 0/100; construction, Lincoln, OK: 52/100; Lincoln, OK rescores monthly.
Is Lincoln County insurance distress getting better or worse (OK)?
Lincoln, OK: 47 in March 2026; Lincoln, OK: 42 in October 2026 (better); Lincoln, OK climate component 83.
Which Lincoln County ZIP codes carry the most insurance distress (OK)?
Lincoln, OK, June 2026: 73054 at 0, 73045 at 0, 74028 at 0, 74059 at 0; Lincoln, OK climate scores there: 91, 85, 82, 78.
Why does Lincoln, OK insurance distress create sellers?
A Lincoln, OK premium outruns the Lincoln, OK budget; a carrier leaves Lincoln, OK; Lincoln, OK carrying cost passes plan; Lincoln, OK owners sell while current; Lincoln, OK insurance distress leads Lincoln, OK foreclosure data.