Stephens County, OK: Home-Insurance Distress & Forced-Sale Pressure
Stephens County, OK: 71/100 (severe) home-insurance distress; Stephens, OK band MEDIUM; Stephens, OK #606 of 3,222 counties; Stephens, OK #5 of 77 in Oklahoma.
FEMA hazard, Stephens, OK: 63/100; Stephens, OK declarations, three years: 4; Stephens, OK perils: 2 fire, 2 severe-storm; Stephens, OK five-year count 9 (severity 15.0); Stephens, OK ten-year 9; hazard-weighted, Stephens, OK: 6.0.
Declared incidents on the Stephens, OK record: 2025 Severe Storm 2; 2025 Fire 2 (Stephens, OK); 2023 Severe Storm 1 (Stephens, OK).
NFIP claims, Stephens, OK, three years: 6; Stephens, OK payouts $298,183; per Stephens, OK claim $49,697; Stephens, OK claim-stress 83/100.
Stephens, OK monthly score fell, 77 (March 2026) to 69 (October 2026); Stephens, OK by month: March 77, April 77, May 75, June 75 (Stephens, OK), July 72, August 72, September 71, October 69.
Stephens, OK components: climate 60, NFIP claims 83; Stephens, OK retreat index 69.
Construction distress, Stephens, OK: 61/100 as of August 2026 (Stephens, OK: 62/100 one-to-four unit, 0/100 multifamily).
Stephens, OK ZIPs, June 2026 (Stephens, OK, 10 highest): score 0 (Stephens, OK), climate 70 (Stephens, OK): 73481; score 0 (Stephens, OK), climate 69 (Stephens, OK): 73425; score 0 (Stephens, OK), climate 68 (Stephens, OK): 73055; score 0 (Stephens, OK), climate 65 (Stephens, OK): 73491, 73533; score 0 (Stephens, OK), climate 63 (Stephens, OK): 73434; score 0 (Stephens, OK), climate 57 (Stephens, OK): 73442; score 0 (Stephens, OK), climate 53 (Stephens, OK): 73529; score 0 (Stephens, OK), climate 17 (Stephens, OK): 73573; score 0 (Stephens, OK), climate 16 (Stephens, OK): 73548.
DLRadar rescores Stephens, OK monthly; Stephens, OK readings join Stephens, OK foreclosure, lien and ownership parcels (Stephens, OK), so cost-squeezed Stephens, OK owners surface before listing.
Inside Oklahoma, Stephens County ranks 5th of 77 counties for home-insurance distress at 71/100; Pottawatomie County (71/100) sits just above Stephens County, and Osage County (70/100) sits just below Stephens County.
Deterministic. Every Stephens County, OK signal traces to a public Stephens dataset (FEMA, NFIP, Census for Stephens, OK) · how insurance distress works in Stephens, OK · methodology
FAQ: Stephens County, OK insurance distress
What is the Stephens County, OK home-insurance-distress score?
Stephens, OK: 71/100 (MEDIUM), #606 of 3,222, #5 in Oklahoma. FEMA hazard, Stephens, OK: 63/100; NFIP stress, Stephens, OK: 83/100; construction, Stephens, OK: 61/100; Stephens, OK rescores monthly.
Is Stephens County insurance distress getting better or worse (OK)?
Stephens, OK: 77 in March 2026; Stephens, OK: 69 in October 2026 (better); Stephens, OK climate component 60; Stephens, OK NFIP claims score 83.
How many flood-insurance claims has Stephens County, OK had?
Stephens, OK: 6 NFIP claims, three years; Stephens, OK paid $298,183; per Stephens, OK claim $49,697; carriers reprice Stephens, OK against that record.
Which Stephens County ZIP codes carry the most insurance distress (OK)?
Stephens, OK, June 2026: 73481 at 0, 73425 at 0, 73055 at 0, 73491 at 0; Stephens, OK climate scores there: 70, 69, 68, 65.
Why does Stephens, OK insurance distress create sellers?
A Stephens, OK premium outruns the Stephens, OK budget; a carrier leaves Stephens, OK; Stephens, OK carrying cost passes plan; Stephens, OK owners sell while current; Stephens, OK insurance distress leads Stephens, OK foreclosure data.