Merced County, CA: Home-Insurance Distress & Forced-Sale Pressure
Merced County, CA: 23/100 (low) home-insurance distress; Merced, CA band LOW; Merced, CA #2,014 of 3,222 counties; Merced, CA #31 of 58 in California; raw Merced, CA 27.1; Merced, CA coverage multiplier 0.85.
FEMA hazard, Merced, CA: 0/100; Merced, CA declarations, three years: none; Merced, CA five-year count 6 (severity 6.0); Merced, CA ten-year 6.
Declared incidents on the Merced, CA record: 2023 Severe Storm 3; 2023 Flood 3 (Merced, CA).
NFIP claims, Merced, CA, three years: 9; Merced, CA payouts $38,814; per Merced, CA claim $4,313; Merced, CA claim-stress 68/100.
Merced, CA monthly score held, 23 (March 2026) to 23 (October 2026); Merced, CA by month: March 23, April 23, May 24, June 24 (Merced, CA), July 24, August 24, September 24, October 23.
Merced, CA components: NFIP claims 68; Merced, CA retreat index 23; Merced, CA climate multiplier 0.85.
Construction distress, Merced, CA: 51/100 as of August 2026 (Merced, CA: 36/100 one-to-four unit, 93/100 multifamily).
Merced, CA ZIPs, June 2026 (Merced, CA, 16 highest): score 0 (Merced, CA), climate 99 (Merced, CA): 93622; score 0 (Merced, CA), climate 97 (Merced, CA): 93620, 95316, 95360, 95380; score 0 (Merced, CA), climate 96 (Merced, CA): 93610, 93635, 93665, 95301, Merced, CA 95303, 95312, 95315, 95317, Merced, CA 95322, 95324, 95333.
DLRadar rescores Merced, CA monthly; Merced, CA readings join Merced, CA foreclosure, lien and ownership parcels (Merced, CA), so cost-squeezed Merced, CA owners surface before listing.
Inside California, Merced County ranks 31st of 58 counties for home-insurance distress at 23/100; Contra Costa County (23/100) sits just above Merced County, and Colusa County (22/100) sits just below Merced County.
Deterministic. Every Merced County, CA signal traces to a public Merced dataset (FEMA, NFIP, Census for Merced, CA) · how insurance distress works in Merced, CA · methodology
FAQ: Merced County, CA insurance distress
What is the Merced County, CA home-insurance-distress score?
Merced, CA: 23/100 (LOW), #2,014 of 3,222, #31 in California. FEMA hazard, Merced, CA: 0/100; NFIP stress, Merced, CA: 68/100; construction, Merced, CA: 51/100; Merced, CA rescores monthly.
Is Merced County insurance distress getting better or worse (CA)?
Merced, CA: 23 in March 2026; Merced, CA: 23 in October 2026 (unchanged); Merced, CA NFIP claims score 68.
How many flood-insurance claims has Merced County, CA had?
Merced, CA: 9 NFIP claims, three years; Merced, CA paid $38,814; per Merced, CA claim $4,313; carriers reprice Merced, CA against that record.
Which Merced County ZIP codes carry the most insurance distress (CA)?
Merced, CA, June 2026: 93622 at 0, 93620 at 0, 95316 at 0, 95360 at 0; Merced, CA climate scores there: 99, 97, 97, 97.
Why does Merced, CA insurance distress create sellers?
A Merced, CA premium outruns the Merced, CA budget; a carrier leaves Merced, CA; Merced, CA carrying cost passes plan; Merced, CA owners sell while current; Merced, CA insurance distress leads Merced, CA foreclosure data.