Humboldt County, CA: Home-Insurance Distress & Forced-Sale Pressure
Humboldt County, CA: 30/100 (moderate) home-insurance distress; Humboldt, CA band LOW; Humboldt, CA #1,605 of 3,222 counties; Humboldt, CA #19 of 58 in California; raw Humboldt, CA 35.5; Humboldt, CA coverage multiplier 0.85.
FEMA hazard, Humboldt, CA: 0/100; Humboldt, CA declarations, three years: none; Humboldt, CA five-year count 6 (severity 6.0); Humboldt, CA ten-year 6.
Declared incidents on the Humboldt, CA record: 2023 Severe Storm 3; 2023 Flood 3 (Humboldt, CA).
NFIP claims, Humboldt, CA, three years: 9; Humboldt, CA payouts $719,092; per Humboldt, CA claim $79,899; Humboldt, CA claim-stress 89/100.
Humboldt, CA monthly score rose, 29 (March 2026) to 30 (October 2026); Humboldt, CA by month: March 29, April 29, May 30, June 30 (Humboldt, CA), July 30, August 30, September 30, October 30.
Humboldt, CA components: NFIP claims 89; Humboldt, CA retreat index 30; Humboldt, CA climate multiplier 0.85.
Construction distress, Humboldt, CA: 51/100 as of August 2026 (Humboldt, CA: 40/100 one-to-four unit, 64/100 multifamily).
Humboldt, CA ZIPs, June 2026 (Humboldt, CA, 16 highest): score 0 (Humboldt, CA), climate 96 (Humboldt, CA): 95501, 95503, 95511, 95514, Humboldt, CA 95519, 95521, 95524, 95525, Humboldt, CA 95528, 95536, 95537, 95540, Humboldt, CA 95542, 95545, 95546, 95547.
DLRadar rescores Humboldt, CA monthly; Humboldt, CA readings join Humboldt, CA foreclosure, lien and ownership parcels (Humboldt, CA), so cost-squeezed Humboldt, CA owners surface before listing.
Inside California, Humboldt County ranks 21st of 58 counties for home-insurance distress at 30/100; Shasta County (32/100) sits just above Humboldt County, and Sonoma County (30/100) sits just below Humboldt County.
Deterministic. Every Humboldt County, CA signal traces to a public Humboldt dataset (FEMA, NFIP, Census for Humboldt, CA) · how insurance distress works in Humboldt, CA · methodology
FAQ: Humboldt County, CA insurance distress
What is the Humboldt County, CA home-insurance-distress score?
Humboldt, CA: 30/100 (LOW), #1,605 of 3,222, #19 in California. FEMA hazard, Humboldt, CA: 0/100; NFIP stress, Humboldt, CA: 89/100; construction, Humboldt, CA: 51/100; Humboldt, CA rescores monthly.
Is Humboldt County insurance distress getting better or worse (CA)?
Humboldt, CA: 29 in March 2026; Humboldt, CA: 30 in October 2026 (worse); Humboldt, CA NFIP claims score 89.
How many flood-insurance claims has Humboldt County, CA had?
Humboldt, CA: 9 NFIP claims, three years; Humboldt, CA paid $719,092; per Humboldt, CA claim $79,899; carriers reprice Humboldt, CA against that record.
Which Humboldt County ZIP codes carry the most insurance distress (CA)?
Humboldt, CA, June 2026: 95501 at 0, 95503 at 0, 95511 at 0, 95514 at 0; Humboldt, CA climate scores there: 96, 96, 96, 96.
Why does Humboldt, CA insurance distress create sellers?
A Humboldt, CA premium outruns the Humboldt, CA budget; a carrier leaves Humboldt, CA; Humboldt, CA carrying cost passes plan; Humboldt, CA owners sell while current; Humboldt, CA insurance distress leads Humboldt, CA foreclosure data.