Hampton County, SC: Home-Insurance Distress & Forced-Sale Pressure

Hampton County, South Carolina carries a elevated home-insurance-distress reading of 49/100 — ranked #1028 nationally, in the upper half of U.S. counties. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.

Read together, a 97/100 hazard base and 0/100 flood-claim stress explain why Hampton County screens as a place where coverage cost, not the loan, is the likely sale trigger.

With 0 flood claims and $0 in payouts on the three-year record, Hampton County gives underwriters a concrete reason to reprice or exit.

For a buyer, Hampton County at 49/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.

Because Hampton County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1028 national rank moves as conditions do.

Insurance distress rarely travels by itself, so DLRadar aligns Hampton County's 49/100 with foreclosure, lien and ownership records — separating owners squeezed only by coverage from those under broader strain.

Rebuilding is expensive in this market -- 13/100 on construction distress -- and coverage is priced off exactly that number.

Driving it: a FEMA hazard score of 97/100; NFIP flood-claim stress of 0/100 over three years; 1 hurricane federal disaster declaration in three years, all of which push carriers toward higher rates or non-renewal.

Hurricane accounts for the bulk of declared events here, so it drives both pricing and withdrawal decisions.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Hampton County's score to on-the-ground foreclosure and ownership data. The point is reaching those owners while carrying cost is still the problem, not after the filing.