Massachusetts Home-Insurance Distress by County

Across Massachusetts, insurance distress averages 24/100 at the county level — below the national average, ranking 34th nationally. Every one of Massachusetts's 14 counties is monitored for coverage pressure — the force that pushes owners to list before any default shows.

Massachusetts's three-year flood-loss record — 358 claims, $7,647,183 paid — is the evidence carriers cite for pullback.

Underneath the Massachusetts headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

Bristol County leads Massachusetts at 60/100, with Worcester County close behind. Below, every Massachusetts county is ordered by insurance distress and links through to its detail page.

Statewide, the pressure is driven by an average FEMA hazard score of 7/100 and average NFIP flood-claim stress of 55/100 — the exposures carriers price against and increasingly decline to renew, and why Massachusetts premiums climb faster than incomes.

The Massachusetts average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

The takeaway for Massachusetts is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

Because Massachusetts is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #34 national rank and county order move with actual conditions, not a fixed snapshot.

DLRadar treats the Massachusetts 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.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. So in Massachusetts you can find the owners whose breaking point is the insurance bill, before they list.