San Mateo County, CA: Home-Insurance Distress & Forced-Sale Pressure
San Mateo County, CA: 26/100 (moderate) home-insurance distress; San Mateo, CA band LOW; San Mateo, CA #1,847 of 3,222 counties; San Mateo, CA #28 of 58 in California; raw San Mateo, CA 31.0; San Mateo, CA coverage multiplier 0.85.
FEMA hazard, San Mateo, CA: 0/100; San Mateo, CA declarations, three years: none; San Mateo, CA five-year count 6 (severity 6.0); San Mateo, CA ten-year 6.
Declared incidents on the San Mateo, CA record: 2023 Severe Storm 3; 2023 Flood 3 (San Mateo, CA).
NFIP claims, San Mateo, CA, three years: 7; San Mateo, CA payouts $164,289; per San Mateo, CA claim $23,470; San Mateo, CA claim-stress 77/100.
San Mateo, CA monthly score rose, 25 (March 2026) to 26 (October 2026); San Mateo, CA by month: March 25, April 25, May 25, June 25 (San Mateo, CA), July 25, August 25, September 25, October 26.
San Mateo, CA components: NFIP claims 77; San Mateo, CA retreat index 26; San Mateo, CA climate multiplier 0.85.
Construction distress, San Mateo, CA: 64/100 as of August 2026 (San Mateo, CA: 48/100 one-to-four unit, 70/100 multifamily).
San Mateo, CA ZIPs, June 2026 (San Mateo, CA, 16 highest): score 0 (San Mateo, CA), climate 100 (San Mateo, CA): 94303; score 0 (San Mateo, CA), climate 99 (San Mateo, CA): 94002, 94005, 94010, 94014, San Mateo, CA 94015, 94018, 94019, 94020, San Mateo, CA 94021, 94025, 94027, 94028, San Mateo, CA 94030, 94037, 94038.
DLRadar rescores San Mateo, CA monthly; San Mateo, CA readings join San Mateo, CA foreclosure, lien and ownership parcels (San Mateo, CA), so cost-squeezed San Mateo, CA owners surface before listing.
Inside California, San Mateo County ranks 28th of 58 counties for home-insurance distress at 26/100; Mendocino County (27/100) sits just above San Mateo County, and Stanislaus County (24/100) sits just below San Mateo County.
Deterministic. Every San Mateo County, CA signal traces to a public San Mateo dataset (FEMA, NFIP, Census for San Mateo, CA) · how insurance distress works in San Mateo, CA · methodology
FAQ: San Mateo County, CA insurance distress
What is the San Mateo County, CA home-insurance-distress score?
San Mateo, CA: 26/100 (LOW), #1,847 of 3,222, #28 in California. FEMA hazard, San Mateo, CA: 0/100; NFIP stress, San Mateo, CA: 77/100; construction, San Mateo, CA: 64/100; San Mateo, CA rescores monthly.
Is San Mateo County insurance distress getting better or worse (CA)?
San Mateo, CA: 25 in March 2026; San Mateo, CA: 26 in October 2026 (worse); San Mateo, CA NFIP claims score 77.
How many flood-insurance claims has San Mateo County, CA had?
San Mateo, CA: 7 NFIP claims, three years; San Mateo, CA paid $164,289; per San Mateo, CA claim $23,470; carriers reprice San Mateo, CA against that record.
Which San Mateo County ZIP codes carry the most insurance distress (CA)?
San Mateo, CA, June 2026: 94303 at 0, 94002 at 0, 94005 at 0, 94010 at 0; San Mateo, CA climate scores there: 100, 99, 99, 99.
Why does San Mateo, CA insurance distress create sellers?
A San Mateo, CA premium outruns the San Mateo, CA budget; a carrier leaves San Mateo, CA; San Mateo, CA carrying cost passes plan; San Mateo, CA owners sell while current; San Mateo, CA insurance distress leads San Mateo, CA foreclosure data.