Westwood Heights Eviction Risk: Moderate

27% are severely burdened, paying half their income or more in rent. That cohort has no absorption capacity for an unexpected bill, and it is where non-payment filings originate. The strongest single driver of the headline number is tenant-organizing strength at 8.2/10. Well under the midpoint is eviction-process difficulty, at 2.4/10.

Court records for this tract carry 1,754 eviction filings. The poverty rate is 17%, which shows up in this model as reduced rent-recovery odds after a judgment. The voucher gap is 13.2%: households holding assistance that local rents will not absorb, which shows up as churn rather than arrears.

The worst year on record was 2017, when filings touched 18.3% of renter households. Average gross rent is $1,053, 11% above the Shelby average of $945. Recent filings have not receded much: 18.3% in 2018 against a 18.3% peak.

Among the 7 mapped neighborhoods of Shelby, it ranks #4 by risk, the middle third. For a like-for-like read, Light Oak and Stonegate score within a fraction of it. Social vulnerability runs high at 8.9/10, concentrating the disaster- and displacement-exposure this model treats as a lagging risk input.

Because the boundary contains one tract, 4.4/10 is simultaneously the area figure and the address-level figure. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.