Modoc County, CA: Home-Insurance Distress & Forced-Sale Pressure
Modoc County, CA: 0/100 (low) home-insurance distress; Modoc, CA band ZERO; Modoc, CA #2,522 of 3,222 counties; Modoc, CA #52 of 58 in California; Modoc, CA coverage multiplier 0.70.
FEMA hazard, Modoc, CA: 0/100; Modoc, CA declarations, three years: none; Modoc, CA five-year count 3 (severity 3.0); Modoc, CA ten-year 3.
Declared incidents on the Modoc, CA record: 2023 Severe Storm 3 (Modoc, CA).
NFIP claims, Modoc, CA, three years: none; Modoc, CA claim-stress 0/100.
Modoc, CA monthly score: 0 in every month from March 2026 (Modoc, CA) through October 2026.
Modoc, CA components: all zero this month; Modoc, CA climate multiplier 0.70.
Construction distress, Modoc, CA: 54/100 as of August 2026 (Modoc, CA: 53/100 one-to-four unit, 13/100 multifamily).
Modoc, CA ZIPs, June 2026 (Modoc, CA, 13 highest): score 0 (Modoc, CA), climate 74 (Modoc, CA): 96056; score 0 (Modoc, CA), climate 59 (Modoc, CA): 96006; score 0 (Modoc, CA), climate 56 (Modoc, CA): 96134; score 0 (Modoc, CA), climate 38 (Modoc, CA): 96110; score 0 (Modoc, CA), climate 37 (Modoc, CA): 96015, 96054, 96101, 96104, Modoc, CA 96108, 96112, 96115, 96116; score 0 (Modoc, CA), climate 36 (Modoc, CA): 97635.
DLRadar rescores Modoc, CA monthly; Modoc, CA readings join Modoc, CA foreclosure, lien and ownership parcels (Modoc, CA), so cost-squeezed Modoc, CA owners surface before listing.
Inside California, Modoc County ranks 52nd of 58 counties for home-insurance distress at 0/100; Madera County (0/100) sits just above Modoc County, and Nevada County (0/100) sits just below Modoc County.
Deterministic. Every Modoc County, CA signal traces to a public Modoc dataset (FEMA, NFIP, Census for Modoc, CA) · how insurance distress works in Modoc, CA · methodology
FAQ: Modoc County, CA insurance distress
What is the Modoc County, CA home-insurance-distress score?
Modoc, CA: 0/100 (ZERO), #2,522 of 3,222, #52 in California. FEMA hazard, Modoc, CA: 0/100; NFIP stress, Modoc, CA: 0/100; construction, Modoc, CA: 54/100; Modoc, CA rescores monthly.
Is Modoc County insurance distress getting better or worse (CA)?
Modoc, CA: 0 in March 2026; Modoc, CA: 0 in October 2026 (unchanged).
Which Modoc County ZIP codes carry the most insurance distress (CA)?
Modoc, CA, June 2026: 96056 at 0, 96006 at 0, 96134 at 0, 96110 at 0; Modoc, CA climate scores there: 74, 59, 56, 38.
Why does Modoc, CA insurance distress create sellers?
A Modoc, CA premium outruns the Modoc, CA budget; a carrier leaves Modoc, CA; Modoc, CA carrying cost passes plan; Modoc, CA owners sell while current; Modoc, CA insurance distress leads Modoc, CA foreclosure data.