Caroline County, MD: Home-Insurance Distress & Forced-Sale Pressure
Caroline County, MD: 25/100 (moderate) home-insurance distress; Caroline, MD band LOW; Caroline, MD #1,935 of 3,222 counties; Caroline, MD #15 of 24 in Maryland; raw Caroline, MD 29.6; Caroline, MD coverage multiplier 0.85.
FEMA hazard, Caroline, MD: 0/100; Caroline, MD declarations, three years: 2; Caroline, MD five-year count 3 (severity 6.0); Caroline, MD ten-year 3.
Declared incidents on the Caroline, MD record: 2026 Winter Storm 3 (Caroline, MD).
NFIP claims, Caroline, MD, three years: 3; Caroline, MD payouts $100,738; per Caroline, MD claim $33,579; Caroline, MD claim-stress 74/100.
Caroline, MD monthly score fell, 26 (March 2026) to 25 (October 2026); Caroline, MD by month: March 26, April 26, May 26, June 26 (Caroline, MD), July 26, August 26, September 26, October 25.
Caroline, MD components: NFIP claims 74; Caroline, MD retreat index 25; Caroline, MD climate multiplier 0.85.
Construction distress, Caroline, MD: 19/100 as of August 2026 (Caroline, MD: 25/100 one-to-four unit, 9/100 multifamily).
Caroline, MD ZIPs, June 2026 (Caroline, MD, 10 highest): score 0 (Caroline, MD), climate 47 (Caroline, MD): 21632; score 0 (Caroline, MD), climate 45 (Caroline, MD): 21629, 21636, 21639, 21641, Caroline, MD 21655, 21660; score 0 (Caroline, MD), climate 44 (Caroline, MD): 21640; score 0 (Caroline, MD), climate 42 (Caroline, MD): 21649; score 0 (Caroline, MD), climate 41 (Caroline, MD): 21657.
DLRadar rescores Caroline, MD monthly; Caroline, MD readings join Caroline, MD foreclosure, lien and ownership parcels (Caroline, MD), so cost-squeezed Caroline, MD owners surface before listing.
Inside Maryland, Caroline County ranks 15th of 24 counties for home-insurance distress at 25/100; Baltimore County (26/100) sits just above Caroline County, and Calvert County (24/100) sits just below Caroline County.
Deterministic. Every Caroline County, MD signal traces to a public Caroline dataset (FEMA, NFIP, Census for Caroline, MD) · how insurance distress works in Caroline, MD · methodology
FAQ: Caroline County, MD insurance distress
What is the Caroline County, MD home-insurance-distress score?
Caroline, MD: 25/100 (LOW), #1,935 of 3,222, #15 in Maryland. FEMA hazard, Caroline, MD: 0/100; NFIP stress, Caroline, MD: 74/100; construction, Caroline, MD: 19/100; Caroline, MD rescores monthly.
Is Caroline County insurance distress getting better or worse (MD)?
Caroline, MD: 26 in March 2026; Caroline, MD: 25 in October 2026 (better); Caroline, MD NFIP claims score 74.
How many flood-insurance claims has Caroline County, MD had?
Caroline, MD: 3 NFIP claims, three years; Caroline, MD paid $100,738; per Caroline, MD claim $33,579; carriers reprice Caroline, MD against that record.
Which Caroline County ZIP codes carry the most insurance distress (MD)?
Caroline, MD, June 2026: 21632 at 0, 21629 at 0, 21636 at 0, 21639 at 0; Caroline, MD climate scores there: 47, 45, 45, 45.
Why does Caroline, MD insurance distress create sellers?
A Caroline, MD premium outruns the Caroline, MD budget; a carrier leaves Caroline, MD; Caroline, MD carrying cost passes plan; Caroline, MD owners sell while current; Caroline, MD insurance distress leads Caroline, MD foreclosure data.