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

Jasper County, South Carolina carries a severe home-insurance-distress reading of 92/100 — ranked #55 nationally, among the very highest in the country. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.

Physical exposure at 97/100 and claim experience at 85/100 together mark Jasper County as a market where coverage, not the mortgage, forces the sale.

Flood losses tell the story: 14 NFIP claims and $432,805 paid out over three years, averaging $30,915 apiece -- exactly the history that hardens rates.

Rebuilding is expensive in this market -- 42/100 on construction distress -- and coverage is priced off exactly that number.

Underwriters read this county through hurricane first -- it is the recurring driver in the declaration history.

Taken with the county's foreclosure and lien record, 92/100 tells you whether Jasper County owners face a coverage problem or a solvency problem — the two need different outreach.

DLRadar re-scores Jasper County every month against the latest FEMA, NFIP and carrier data, so 92/100 tracks the live market — not a snapshot frozen at some earlier point.

Behind the score sit a FEMA hazard score of 97/100; NFIP flood-claim stress of 85/100 over three years; 1 hurricane federal disaster declaration in three years, each a factor insurers weigh when they raise rates or exit a market.

For a buyer, Jasper County at 92/100 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.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. So you can reach the owners whose trigger is carrying cost — before they list.