Placer County, CA: Home-Insurance Distress & Forced-Sale Pressure
Placer County, CA: 21/100 (low) home-insurance distress; Placer, CA band LOW; Placer, CA #2,078 of 3,222 counties; Placer, CA #35 of 58 in California; raw Placer, CA 25.1; Placer, CA coverage multiplier 0.85.
FEMA hazard, Placer, CA: 0/100; Placer, CA declarations, three years: none; Placer, CA five-year count 3 (severity 3.0); Placer, CA ten-year 3.
Declared incidents on the Placer, CA record: 2023 Flood 3 (Placer, CA).
NFIP claims, Placer, CA, three years: 4; Placer, CA payouts $19,403; per Placer, CA claim $4,851; Placer, CA claim-stress 63/100.
Placer, CA monthly score fell, 22 (March 2026) to 21 (October 2026); Placer, CA by month: March 22, April 22, May 22, June 22 (Placer, CA), July 22, August 22, September 22, October 21.
Placer, CA components: NFIP claims 63; Placer, CA retreat index 21; Placer, CA climate multiplier 0.85.
Construction distress, Placer, CA: 45/100 as of August 2026 (Placer, CA: 52/100 one-to-four unit, 20/100 multifamily).
Placer, CA ZIPs, June 2026 (Placer, CA, 16 highest): score 0 (Placer, CA), climate 94 (Placer, CA): 95603, 95604, 95626, 95631, Placer, CA 95648, 95650, 95658, 95661, Placer, CA 95663, 95677, 95678, 95681, Placer, CA 95701, 95703, 95713, 95714.
DLRadar rescores Placer, CA monthly; Placer, CA readings join Placer, CA foreclosure, lien and ownership parcels (Placer, CA), so cost-squeezed Placer, CA owners surface before listing.
Inside California, Placer County ranks 35th of 58 counties for home-insurance distress at 21/100; Yuba County (22/100) sits just above Placer County, and Napa County (21/100) sits just below Placer County.
Deterministic. Every Placer County, CA signal traces to a public Placer dataset (FEMA, NFIP, Census for Placer, CA) · how insurance distress works in Placer, CA · methodology
FAQ: Placer County, CA insurance distress
What is the Placer County, CA home-insurance-distress score?
Placer, CA: 21/100 (LOW), #2,078 of 3,222, #35 in California. FEMA hazard, Placer, CA: 0/100; NFIP stress, Placer, CA: 63/100; construction, Placer, CA: 45/100; Placer, CA rescores monthly.
Is Placer County insurance distress getting better or worse (CA)?
Placer, CA: 22 in March 2026; Placer, CA: 21 in October 2026 (better); Placer, CA NFIP claims score 63.
How many flood-insurance claims has Placer County, CA had?
Placer, CA: 4 NFIP claims, three years; Placer, CA paid $19,403; per Placer, CA claim $4,851; carriers reprice Placer, CA against that record.
Which Placer County ZIP codes carry the most insurance distress (CA)?
Placer, CA, June 2026: 95603 at 0, 95604 at 0, 95626 at 0, 95631 at 0; Placer, CA climate scores there: 94, 94, 94, 94.
Why does Placer, CA insurance distress create sellers?
A Placer, CA premium outruns the Placer, CA budget; a carrier leaves Placer, CA; Placer, CA carrying cost passes plan; Placer, CA owners sell while current; Placer, CA insurance distress leads Placer, CA foreclosure data.