San Luis Obispo County, CA: Home-Insurance Distress & Forced-Sale Pressure
San Luis Obispo County, CA: 38/100 (moderate) home-insurance distress; San Luis Obispo, CA band LOW; San Luis Obispo, CA #1,368 of 3,222 counties; San Luis Obispo, CA #16 of 58 in California.
FEMA hazard, San Luis Obispo, CA: 50/100; San Luis Obispo, CA declarations, three years: 3; San Luis Obispo, CA perils: 3 severe-storm; San Luis Obispo, CA five-year count 9 (severity 10.5); San Luis Obispo, CA ten-year 9; hazard-weighted, San Luis Obispo, CA: 3.0.
Declared incidents on the San Luis Obispo, CA record: 2024 Severe Storm 3; 2023 Severe Storm 3 (San Luis Obispo, CA); 2023 Flood 3 (San Luis Obispo, CA).
NFIP claims, San Luis Obispo, CA, three years: 3; San Luis Obispo, CA payouts $0; per San Luis Obispo, CA claim $0; San Luis Obispo, CA claim-stress 22/100.
San Luis Obispo, CA monthly score fell, 40 (March 2026) to 33 (October 2026); San Luis Obispo, CA by month: March 40, April 40, May 37, June 37 (San Luis Obispo, CA), July 48, August 34, September 39, October 33.
San Luis Obispo, CA components: climate 40, NFIP claims 22; San Luis Obispo, CA retreat index 33.
Construction distress, San Luis Obispo, CA: 35/100 as of August 2026 (San Luis Obispo, CA: 27/100 one-to-four unit, 68/100 multifamily).
San Luis Obispo, CA ZIPs, June 2026 (San Luis Obispo, CA, 16 highest): score 0 (San Luis Obispo, CA), climate 99 (San Luis Obispo, CA): 93252, 93254, 93434, 93458; score 0 (San Luis Obispo, CA), climate 98 (San Luis Obispo, CA): 93426, 93451, 93454; score 0 (San Luis Obispo, CA), climate 96 (San Luis Obispo, CA): 93401, 93402, 93405, 93407, San Luis Obispo, CA 93408, 93409, 93410, 93420, San Luis Obispo, CA 93422.
DLRadar rescores San Luis Obispo, CA monthly; San Luis Obispo, CA readings join San Luis Obispo, CA foreclosure, lien and ownership parcels (San Luis Obispo, CA), so cost-squeezed San Luis Obispo, CA owners surface before listing.
Inside California, San Luis Obispo County ranks 16th of 58 counties for home-insurance distress at 38/100; Calaveras County (55/100) sits just above San Luis Obispo County, and Marin County (33/100) sits just below San Luis Obispo County.
Deterministic. Every San Luis Obispo County, CA signal traces to a public San Luis Obispo dataset (FEMA, NFIP, Census for San Luis Obispo, CA) · how insurance distress works in San Luis Obispo, CA · methodology
FAQ: San Luis Obispo County, CA insurance distress
What is the San Luis Obispo County, CA home-insurance-distress score?
San Luis Obispo, CA: 38/100 (LOW), #1,368 of 3,222, #16 in California. FEMA hazard, San Luis Obispo, CA: 50/100; NFIP stress, San Luis Obispo, CA: 22/100; construction, San Luis Obispo, CA: 35/100; San Luis Obispo, CA rescores monthly.
Is San Luis Obispo County insurance distress getting better or worse (CA)?
San Luis Obispo, CA: 40 in March 2026; San Luis Obispo, CA: 33 in October 2026 (better); San Luis Obispo, CA climate component 40; San Luis Obispo, CA NFIP claims score 22.
How many flood-insurance claims has San Luis Obispo County, CA had?
San Luis Obispo, CA: 3 NFIP claims, three years; San Luis Obispo, CA paid $0; per San Luis Obispo, CA claim $0; carriers reprice San Luis Obispo, CA against that record.
Which San Luis Obispo County ZIP codes carry the most insurance distress (CA)?
San Luis Obispo, CA, June 2026: 93252 at 0, 93254 at 0, 93434 at 0, 93458 at 0; San Luis Obispo, CA climate scores there: 99, 99, 99, 99.
Why does San Luis Obispo, CA insurance distress create sellers?
A San Luis Obispo, CA premium outruns the San Luis Obispo, CA budget; a carrier leaves San Luis Obispo, CA; San Luis Obispo, CA carrying cost passes plan; San Luis Obispo, CA owners sell while current; San Luis Obispo, CA insurance distress leads San Luis Obispo, CA foreclosure data.