Apache County, AZ: Home-Insurance Distress & Forced-Sale Pressure
Apache County, AZ: 32/100 (moderate) home-insurance distress; Apache, AZ band LOW; Apache, AZ #1,510 of 3,222 counties; Apache, AZ #5 of 15 in Arizona; raw Apache, AZ 31.2; Apache, AZ coverage multiplier 0.85.
FEMA hazard, Apache, AZ: 63/100; Apache, AZ declarations, three years: 2; Apache, AZ perils: 3 fire; Apache, AZ five-year count 3 (severity 6.0); Apache, AZ ten-year 3; hazard-weighted, Apache, AZ: 4.0.
Declared incidents on the Apache, AZ record: 2025 Fire 2 (Apache, AZ).
NFIP claims, Apache, AZ, three years: none; Apache, AZ claim-stress 0/100.
Apache, AZ monthly score fell, 33 (March 2026) to 26 (October 2026); Apache, AZ by month: March 33, April 33, May 30, June 30 (Apache, AZ), July 27, August 26, September 32, October 26.
Apache, AZ components: climate 52; Apache, AZ retreat index 26; Apache, AZ climate multiplier 0.85.
Construction distress, Apache, AZ: 60/100 as of August 2026 (Apache, AZ: 58/100 one-to-four unit, 99/100 multifamily).
Apache, AZ ZIPs, June 2026 (Apache, AZ, 16 highest): score 0 (Apache, AZ), climate 83 (Apache, AZ): 86033, 86034; score 0 (Apache, AZ), climate 82 (Apache, AZ): 85901; score 0 (Apache, AZ), climate 75 (Apache, AZ): 87328; score 0 (Apache, AZ), climate 73 (Apache, AZ): 86505, 86520; score 0 (Apache, AZ), climate 72 (Apache, AZ): 85930; score 0 (Apache, AZ), climate 71 (Apache, AZ): 86503; score 0 (Apache, AZ), climate 70 (Apache, AZ): 85920, 85924, 85925, 85927, Apache, AZ 85932, 85936, 85938, 85940.
DLRadar rescores Apache, AZ monthly; Apache, AZ readings join Apache, AZ foreclosure, lien and ownership parcels (Apache, AZ), so cost-squeezed Apache, AZ owners surface before listing.
Inside Arizona, Apache County ranks 3rd of 15 counties for home-insurance distress at 32/100; Maricopa County (82/100) sits just above Apache County, and Mohave County (29/100) sits just below Apache County.
Deterministic. Every Apache County, AZ signal traces to a public Apache dataset (FEMA, NFIP, Census for Apache, AZ) · how insurance distress works in Apache, AZ · methodology
FAQ: Apache County, AZ insurance distress
What is the Apache County, AZ home-insurance-distress score?
Apache, AZ: 32/100 (LOW), #1,510 of 3,222, #5 in Arizona. FEMA hazard, Apache, AZ: 63/100; NFIP stress, Apache, AZ: 0/100; construction, Apache, AZ: 60/100; Apache, AZ rescores monthly.
Is Apache County insurance distress getting better or worse (AZ)?
Apache, AZ: 33 in March 2026; Apache, AZ: 26 in October 2026 (better); Apache, AZ climate component 52.
Which Apache County ZIP codes carry the most insurance distress (AZ)?
Apache, AZ, June 2026: 86033 at 0, 86034 at 0, 85901 at 0, 87328 at 0; Apache, AZ climate scores there: 83, 83, 82, 75.
Why does Apache, AZ insurance distress create sellers?
A Apache, AZ premium outruns the Apache, AZ budget; a carrier leaves Apache, AZ; Apache, AZ carrying cost passes plan; Apache, AZ owners sell while current; Apache, AZ insurance distress leads Apache, AZ foreclosure data.