Calaveras County, CA: Home-Insurance Distress & Forced-Sale Pressure
Calaveras County, CA: 55/100 (elevated) home-insurance distress; Calaveras, CA band MEDIUM; Calaveras, CA #1,007 of 3,222 counties; Calaveras, CA #15 of 58 in California.
FEMA hazard, Calaveras, CA: 78/100; Calaveras, CA declarations, three years: 6; Calaveras, CA perils: 6 fire; Calaveras, CA five-year count 9 (severity 12.0); Calaveras, CA ten-year 9; hazard-weighted, Calaveras, CA: 12.0.
Declared incidents on the Calaveras, CA record: 2026 Fire 3; 2025 Fire 3 (Calaveras, CA); 2023 Severe Storm 3; 2023 Flood 3 (Calaveras, CA).
NFIP claims, Calaveras, CA, three years: 2; Calaveras, CA payouts $0; per Calaveras, CA claim $0; Calaveras, CA claim-stress 19/100.
Calaveras, CA monthly score rose, 47 (March 2026) to 49 (October 2026); Calaveras, CA by month: March 47, April 47, May 43, June 43 (Calaveras, CA), July 56, August 50, September 55, October 49.
Calaveras, CA components: climate 68, NFIP claims 19; Calaveras, CA retreat index 49.
Construction distress, Calaveras, CA: 65/100 as of August 2026 (Calaveras, CA: 65/100 one-to-four unit, 0/100 multifamily).
Calaveras, CA ZIPs, June 2026 (Calaveras, CA, 16 highest): score 0 (Calaveras, CA), climate 98 (Calaveras, CA): 95236; score 0 (Calaveras, CA), climate 94 (Calaveras, CA): 95230; score 0 (Calaveras, CA), climate 86 (Calaveras, CA): 95221, 95222, 95224, 95225, Calaveras, CA 95226, 95228, 95232, 95233, Calaveras, CA 95245, 95246, 95247, 95248, Calaveras, CA 95249, 95251.
DLRadar rescores Calaveras, CA monthly; Calaveras, CA readings join Calaveras, CA foreclosure, lien and ownership parcels (Calaveras, CA), so cost-squeezed Calaveras, CA owners surface before listing.
Inside California, Calaveras County ranks 15th of 58 counties for home-insurance distress at 55/100; Glenn County (57/100) sits just above Calaveras County, and San Luis Obispo County (38/100) sits just below Calaveras County.
Deterministic. Every Calaveras County, CA signal traces to a public Calaveras dataset (FEMA, NFIP, Census for Calaveras, CA) · how insurance distress works in Calaveras, CA · methodology
FAQ: Calaveras County, CA insurance distress
What is the Calaveras County, CA home-insurance-distress score?
Calaveras, CA: 55/100 (MEDIUM), #1,007 of 3,222, #15 in California. FEMA hazard, Calaveras, CA: 78/100; NFIP stress, Calaveras, CA: 19/100; construction, Calaveras, CA: 65/100; Calaveras, CA rescores monthly.
Is Calaveras County insurance distress getting better or worse (CA)?
Calaveras, CA: 47 in March 2026; Calaveras, CA: 49 in October 2026 (worse); Calaveras, CA climate component 68; Calaveras, CA NFIP claims score 19.
How many flood-insurance claims has Calaveras County, CA had?
Calaveras, CA: 2 NFIP claims, three years; Calaveras, CA paid $0; per Calaveras, CA claim $0; carriers reprice Calaveras, CA against that record.
Which Calaveras County ZIP codes carry the most insurance distress (CA)?
Calaveras, CA, June 2026: 95236 at 0, 95230 at 0, 95221 at 0, 95222 at 0; Calaveras, CA climate scores there: 98, 94, 86, 86.
Why does Calaveras, CA insurance distress create sellers?
A Calaveras, CA premium outruns the Calaveras, CA budget; a carrier leaves Calaveras, CA; Calaveras, CA carrying cost passes plan; Calaveras, CA owners sell while current; Calaveras, CA insurance distress leads Calaveras, CA foreclosure data.