Georgetown County, SC: Home-Insurance Distress & Forced-Sale Pressure
Georgetown County, South Carolina carries a severe home-insurance-distress reading of 91/100 — ranked #81 nationally, among the very highest in the country. More and more, it is the insurance bill rather than the mortgage that turns a Georgetown County owner into a seller.
Replacement economics add to the squeeze — a 36/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
Three years of NFIP activity in Georgetown County comes to 11 claims worth $538,990, and that ledger is what carriers price against.
Read as a targeting input, 91/100 puts Georgetown County #81 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
Because coverage pressure seldom acts alone, Georgetown County's 91/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.
Because Georgetown County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #81 national rank moves as conditions do.
Read together, a 93/100 hazard base and 87/100 flood-claim stress explain why Georgetown County screens as a place where coverage cost, not the loan, is the likely sale trigger.
The pressure here is driven by a FEMA hazard score of 93/100; NFIP flood-claim stress of 87/100 over three years — the exposures carriers price against and increasingly decline to renew.
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
Georgetown County insurance distress — FAQ
Is home insurance a problem for owners in Georgetown County, South Carolina?
DLRadar grades Georgetown County at 91/100 - HIGH, #81 of 3,222 U.S. counties. It combines FEMA hazard (93/100), three-year NFIP flood-claim stress (87/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
How many federal flood claims has Georgetown County filed?
In the last three years NFIP settled 11 flood claims in Georgetown County totaling $538,990, near $48,999 per claim. Insurers read that ledger directly into premiums and renewal decisions.
How does carrying cost push Georgetown County owners to sell?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Georgetown County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.