Payne County, OK: Home-Insurance Distress & Forced-Sale Pressure
Payne County, OK: 45/100 (elevated) home-insurance distress; Payne, OK band MEDIUM; Payne, OK #1,224 of 3,222 counties; Payne, OK #21 of 77 in Oklahoma; raw Payne, OK 56.5; Payne, OK coverage multiplier 0.85.
FEMA hazard, Payne, OK: 89/100; Payne, OK declarations, three years: 12; Payne, OK perils: 8 fire; Payne, OK five-year count 15 (severity 25.5); Payne, OK ten-year 15; hazard-weighted, Payne, OK: 24.0.
Declared incidents on the Payne, OK record: 2025 Fire 6; 2024 Fire 2 (Payne, OK); 2023 Severe Storm 1 (Payne, OK).
NFIP claims, Payne, OK, three years: none; Payne, OK claim-stress 0/100.
Payne, OK monthly score fell, 47 (March 2026) to 45 (October 2026); Payne, OK by month: March 47, April 47, May 47, June 47 (Payne, OK), July 44, August 46, September 46, October 45.
Payne, OK components: climate 88; Payne, OK retreat index 45; Payne, OK climate multiplier 0.85.
Construction distress, Payne, OK: 62/100 as of August 2026 (Payne, OK: 59/100 one-to-four unit, 77/100 multifamily).
Payne, OK ZIPs, June 2026 (Payne, OK, 15 highest): score 0 (Payne, OK), climate 84 (Payne, OK): 74062, 74074, 74077, 74078; score 0 (Payne, OK), climate 83 (Payne, OK): 74030; score 0 (Payne, OK), climate 81 (Payne, OK): 74085; score 0 (Payne, OK), climate 80 (Payne, OK): 73027; score 0 (Payne, OK), climate 79 (Payne, OK): 74075; score 0 (Payne, OK), climate 78 (Payne, OK): 73063, 74059; score 0 (Payne, OK), climate 76 (Payne, OK): 74023; score 0 (Payne, OK), climate 72 (Payne, OK): 74032; score 0 (Payne, OK), climate 68 (Payne, OK): 73073; score 0 (Payne, OK), climate 67 (Payne, OK): 74824; score 0 (Payne, OK), climate 44 (Payne, OK): 74045.
DLRadar rescores Payne, OK monthly; Payne, OK readings join Payne, OK foreclosure, lien and ownership parcels (Payne, OK), so cost-squeezed Payne, OK owners surface before listing.
Inside Oklahoma, Payne County ranks 21st of 77 counties for home-insurance distress at 45/100; Pawnee County (45/100) sits just above Payne County, and Lincoln County (43/100) sits just below Payne County.
Deterministic. Every Payne County, OK signal traces to a public Payne dataset (FEMA, NFIP, Census for Payne, OK) · how insurance distress works in Payne, OK · methodology
FAQ: Payne County, OK insurance distress
What is the Payne County, OK home-insurance-distress score?
Payne, OK: 45/100 (MEDIUM), #1,224 of 3,222, #21 in Oklahoma. FEMA hazard, Payne, OK: 89/100; NFIP stress, Payne, OK: 0/100; construction, Payne, OK: 62/100; Payne, OK rescores monthly.
Is Payne County insurance distress getting better or worse (OK)?
Payne, OK: 47 in March 2026; Payne, OK: 45 in October 2026 (better); Payne, OK climate component 88.
Which Payne County ZIP codes carry the most insurance distress (OK)?
Payne, OK, June 2026: 74062 at 0, 74074 at 0, 74077 at 0, 74078 at 0; Payne, OK climate scores there: 84, 84, 84, 84.
Why does Payne, OK insurance distress create sellers?
A Payne, OK premium outruns the Payne, OK budget; a carrier leaves Payne, OK; Payne, OK carrying cost passes plan; Payne, OK owners sell while current; Payne, OK insurance distress leads Payne, OK foreclosure data.