Napa County, CA: Home-Insurance Distress & Forced-Sale Pressure
Napa County, CA: 21/100 (low) home-insurance distress; Napa, CA band LOW; Napa, CA #2,082 of 3,222 counties; Napa, CA #36 of 58 in California; raw Napa, CA 25.1; Napa, CA coverage multiplier 0.85.
FEMA hazard, Napa, CA: 0/100; Napa, CA declarations, three years: none; Napa, CA five-year count 6 (severity 6.0); Napa, CA ten-year 6.
Declared incidents on the Napa, CA record: 2023 Severe Storm 3; 2023 Flood 3 (Napa, CA).
NFIP claims, Napa, CA, three years: 1; Napa, CA payouts $26,314; per Napa, CA claim $26,314; Napa, CA claim-stress 63/100.
Napa, CA monthly score fell, 22 (March 2026) to 21 (October 2026); Napa, CA by month: March 22, April 22, May 22, June 22 (Napa, CA), July 22, August 22, September 22, October 21.
Napa, CA components: NFIP claims 63; Napa, CA retreat index 21; Napa, CA climate multiplier 0.85.
Construction distress, Napa, CA: 38/100 as of August 2026 (Napa, CA: 57/100 one-to-four unit, 4/100 multifamily).
Napa, CA ZIPs, June 2026 (Napa, CA, 13 highest): score 0 (Napa, CA), climate 99 (Napa, CA): 95476; score 0 (Napa, CA), climate 97 (Napa, CA): 94515, 94591; score 0 (Napa, CA), climate 96 (Napa, CA): 94503; score 0 (Napa, CA), climate 95 (Napa, CA): 94508, 94558, 94559, 94562, Napa, CA 94567, 94573, 94574, 94576, Napa, CA 94599.
DLRadar rescores Napa, CA monthly; Napa, CA readings join Napa, CA foreclosure, lien and ownership parcels (Napa, CA), so cost-squeezed Napa, CA owners surface before listing.
Inside California, Napa County ranks 36th of 58 counties for home-insurance distress at 21/100; Placer County (21/100) sits just above Napa County, and Santa Clara County (21/100) sits just below Napa County.
Deterministic. Every Napa County, CA signal traces to a public Napa dataset (FEMA, NFIP, Census for Napa, CA) · how insurance distress works in Napa, CA · methodology
FAQ: Napa County, CA insurance distress
What is the Napa County, CA home-insurance-distress score?
Napa, CA: 21/100 (LOW), #2,082 of 3,222, #36 in California. FEMA hazard, Napa, CA: 0/100; NFIP stress, Napa, CA: 63/100; construction, Napa, CA: 38/100; Napa, CA rescores monthly.
Is Napa County insurance distress getting better or worse (CA)?
Napa, CA: 22 in March 2026; Napa, CA: 21 in October 2026 (better); Napa, CA NFIP claims score 63.
How many flood-insurance claims has Napa County, CA had?
Napa, CA: 1 NFIP claims, three years; Napa, CA paid $26,314; per Napa, CA claim $26,314; carriers reprice Napa, CA against that record.
Which Napa County ZIP codes carry the most insurance distress (CA)?
Napa, CA, June 2026: 95476 at 0, 94515 at 0, 94591 at 0, 94503 at 0; Napa, CA climate scores there: 99, 97, 97, 96.
Why does Napa, CA insurance distress create sellers?
A Napa, CA premium outruns the Napa, CA budget; a carrier leaves Napa, CA; Napa, CA carrying cost passes plan; Napa, CA owners sell while current; Napa, CA insurance distress leads Napa, CA foreclosure data.