Lawrence County, PA: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Lawrence County, Pennsylvania is currently moderate — an insurance-distress score of 25/100, in the lower-risk band nationally at #1879 of the 3,222 U.S. counties DLRadar scores. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
The pressure here is driven by a FEMA hazard score of 0/100; NFIP flood-claim stress of 72/100 over three years — the exposures carriers price against and increasingly decline to renew.
With construction distress at 20/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
Over the trailing three years, Lawrence County recorded 4 NFIP flood claims totaling $66,618 paid (about $16,654 per claim) — the loss history that pushes premiums up and coverage out.
What a moderate score means on the ground in Lawrence 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.
Insurance distress rarely travels by itself, so in Lawrence County DLRadar aligns it with foreclosure, lien and ownership records — letting you separate owners squeezed only by coverage from those under broader financial strain.
Because Lawrence County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1879 national rank moves as conditions do.
The gap between physical hazard (0/100) and realized flood losses (72/100) is what DLRadar watches to flag insurance-driven sellers in Lawrence County.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Lawrence County insurance distress — FAQ
How bad is home-insurance distress in Lawrence County, Pennsylvania?
Lawrence County scores 25/100 for home-insurance distress (LOW), ranking #1879 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (0/100), NFIP flood-claim stress (72/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Lawrence County had?
Over the trailing three years, Lawrence County recorded 4 NFIP flood claims with $66,618 paid out, roughly $16,654 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Lawrence County?
When premiums in Lawrence County rise faster than owners budgeted — or carriers stop writing policies altogether — the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.