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

DLRadar grades Lee County, South Carolina at 42/100 for home-insurance distress, a moderate level that places it #1184 of 3,222 counties, in the upper half of U.S. counties. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

In practice, Lee County's moderate insurance-distress level (42/100, #1184 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.

DLRadar does not treat 42/100 as a standalone number — the Lee County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

Driving it: a FEMA hazard score of 83/100; NFIP flood-claim stress of 0/100 over three years, all of which push carriers toward higher rates or non-renewal.

NFIP paid $0 across 0 Lee County flood claims in three years, roughly $0 each; that record is what reprices coverage.

Replacement economics add to the squeeze — a 61/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.

Put the 83/100 hazard reading next to 0/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

The Lee County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 42/100 reading reflects the current renewal environment rather than a historical average.

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. The payoff is early contact with insurance-pressured sellers, not late.