Pulaski County, VA: Home-Insurance Distress & Forced-Sale Pressure

DLRadar grades Pulaski County, Virginia at 90/100 for home-insurance distress, a severe level that places it #91 of 3,222 counties, 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.

Replacement economics add to the squeeze — a 17/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.

Put the 88/100 hazard reading next to 93/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

The Pulaski County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 90/100 reading reflects the current renewal environment rather than a historical average.

On its own 90/100 is half a picture, so Pulaski County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.

What lifts Pulaski County's reading is a FEMA hazard score of 88/100; NFIP flood-claim stress of 93/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.

The county's three-year flood-loss ledger — 25 claims, $1,787,622 paid (~$71,505/claim) — is the evidence carriers use to justify higher rates or withdrawal.

For a buyer, Pulaski County at 90/100 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. That is how coverage-pressured owners surface before they reach the open market.