Monterey County, CA: Home-Insurance Distress & Forced-Sale Pressure
Monterey County, CA: 63/100 (elevated) home-insurance distress; Monterey, CA band MEDIUM; Monterey, CA #816 of 3,222 counties; Monterey, CA #11 of 58 in California; raw Monterey, CA 57.5.
FEMA hazard, Monterey, CA: 50/100; Monterey, CA declarations, three years: 2; Monterey, CA perils: 2 severe-storm; Monterey, CA five-year count 9 (severity 10.5); Monterey, CA ten-year 9; hazard-weighted, Monterey, CA: 2.0.
Declared incidents on the Monterey, CA record: 2024 Severe Storm 2; 2023 Severe Storm 3 (Monterey, CA); 2023 Flood 3 (Monterey, CA).
NFIP claims, Monterey, CA, three years: 4; Monterey, CA payouts $365,381; per Monterey, CA claim $91,345; Monterey, CA claim-stress 84/100.
Monterey, CA monthly score fell, 65 (March 2026) to 58 (October 2026); Monterey, CA by month: March 65, April 65, May 62, June 62 (Monterey, CA), July 73, August 58, September 63, October 58.
Monterey, CA components: climate 40, NFIP claims 84; Monterey, CA retreat index 58.
Construction distress, Monterey, CA: 9/100 as of August 2026 (Monterey, CA: 19/100 one-to-four unit, 0/100 multifamily).
Monterey, CA ZIPs, June 2026 (Monterey, CA, 16 highest): score 0 (Monterey, CA), climate 99 (Monterey, CA): 93210, 93450, 93901, 93905, Monterey, CA 93906, 93907, 93908, 93920, Monterey, CA 93921, 93923, 93924, 93925, Monterey, CA 93926, 93927, 93928, 93932.
DLRadar rescores Monterey, CA monthly; Monterey, CA readings join Monterey, CA foreclosure, lien and ownership parcels (Monterey, CA), so cost-squeezed Monterey, CA owners surface before listing.
Inside California, Monterey County ranks 11th of 58 counties for home-insurance distress at 63/100; Kern County (65/100) sits just above Monterey County, and Santa Cruz County (60/100) sits just below Monterey County.
Deterministic. Every Monterey County, CA signal traces to a public Monterey dataset (FEMA, NFIP, Census for Monterey, CA) · how insurance distress works in Monterey, CA · methodology
FAQ: Monterey County, CA insurance distress
What is the Monterey County, CA home-insurance-distress score?
Monterey, CA: 63/100 (MEDIUM), #816 of 3,222, #11 in California. FEMA hazard, Monterey, CA: 50/100; NFIP stress, Monterey, CA: 84/100; construction, Monterey, CA: 9/100; Monterey, CA rescores monthly.
Is Monterey County insurance distress getting better or worse (CA)?
Monterey, CA: 65 in March 2026; Monterey, CA: 58 in October 2026 (better); Monterey, CA climate component 40; Monterey, CA NFIP claims score 84.
How many flood-insurance claims has Monterey County, CA had?
Monterey, CA: 4 NFIP claims, three years; Monterey, CA paid $365,381; per Monterey, CA claim $91,345; carriers reprice Monterey, CA against that record.
Which Monterey County ZIP codes carry the most insurance distress (CA)?
Monterey, CA, June 2026: 93210 at 0, 93450 at 0, 93901 at 0, 93905 at 0; Monterey, CA climate scores there: 99, 99, 99, 99.
Why does Monterey, CA insurance distress create sellers?
A Monterey, CA premium outruns the Monterey, CA budget; a carrier leaves Monterey, CA; Monterey, CA carrying cost passes plan; Monterey, CA owners sell while current; Monterey, CA insurance distress leads Monterey, CA foreclosure data.