District of Columbia Home-Insurance Distress by County

Across District of Columbia, insurance distress averages 24/100 at the county level — below the national average, ranking 34th nationally. All 1 District of Columbia counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

District of Columbia's reading is built on an average FEMA hazard score of 0/100 and average NFIP flood-claim stress of 71/100; those are the risks behind rate hikes and non-renewals here.

DLRadar re-scores every District of Columbia county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.

The sharpest pressure concentrates in District Of Columbia County (24/100, #1951 nationally). All District of Columbia counties are listed below in distress order, each one clickable for the detail.

Treated properly, District of Columbia's insurance distress is a lead source: it flags owners whose breaking point is the policy, and the ranked counties below are where to start.

DLRadar treats the District of Columbia insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

For anyone sourcing acquisitions in District of Columbia, the value of a state-level insurance read is that it points to which counties to open first: a below the national average average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

What District of Columbia's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two District of Columbia counties with similar weather can diverge sharply on distress.

Over three years, District of Columbia counties recorded 14 NFIP flood claims totaling $41,782 paid — the loss history insurers convert into higher premiums the next renewal.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces District of Columbia's insurance-squeezed sellers ahead of the market.