Carroll County, MD: Home-Insurance Distress & Forced-Sale Pressure
Carroll County, MD: 21/100 (low) home-insurance distress; Carroll, MD band LOW; Carroll, MD #2,094 of 3,222 counties; Carroll, MD #22 of 24 in Maryland; raw Carroll, MD 24.6; Carroll, MD coverage multiplier 0.85.
FEMA hazard, Carroll, MD: 0/100; Carroll, MD declarations, three years: 2; Carroll, MD five-year count 3 (severity 6.0); Carroll, MD ten-year 3.
Declared incidents on the Carroll, MD record: 2026 Winter Storm 3 (Carroll, MD).
NFIP claims, Carroll, MD, three years: 5; Carroll, MD payouts $10,727; per Carroll, MD claim $2,145; Carroll, MD claim-stress 62/100.
Carroll, MD monthly score fell, 22 (March 2026) to 21 (October 2026); Carroll, MD by month: March 22, April 22, May 22, June 22 (Carroll, MD), July 22, August 22, September 22, October 21.
Carroll, MD components: NFIP claims 62; Carroll, MD retreat index 21; Carroll, MD climate multiplier 0.85.
Construction distress, Carroll, MD: 49/100 as of August 2026 (Carroll, MD: 56/100 one-to-four unit, 39/100 multifamily).
Carroll, MD ZIPs, June 2026 (Carroll, MD, 15 highest): score 0 (Carroll, MD), climate 93 (Carroll, MD): 21136; score 0 (Carroll, MD), climate 91 (Carroll, MD): 21155; score 0 (Carroll, MD), climate 77 (Carroll, MD): 21104; score 0 (Carroll, MD), climate 76 (Carroll, MD): 21771; score 0 (Carroll, MD), climate 75 (Carroll, MD): 21074, 21797; score 0 (Carroll, MD), climate 74 (Carroll, MD): 21102, 21791; score 0 (Carroll, MD), climate 73 (Carroll, MD): 21757; score 0 (Carroll, MD), climate 70 (Carroll, MD): 21776; score 0 (Carroll, MD), climate 69 (Carroll, MD): 21784, 21787; score 0 (Carroll, MD), climate 67 (Carroll, MD): 21048, 21157, 21158.
DLRadar rescores Carroll, MD monthly; Carroll, MD readings join Carroll, MD foreclosure, lien and ownership parcels (Carroll, MD), so cost-squeezed Carroll, MD owners surface before listing.
Inside Maryland, Carroll County ranks 22nd of 24 counties for home-insurance distress at 21/100; Charles County (21/100) sits just above Carroll County, and Washington County (21/100) sits just below Carroll County.
Deterministic. Every Carroll County, MD signal traces to a public Carroll dataset (FEMA, NFIP, Census for Carroll, MD) · how insurance distress works in Carroll, MD · methodology
FAQ: Carroll County, MD insurance distress
What is the Carroll County, MD home-insurance-distress score?
Carroll, MD: 21/100 (LOW), #2,094 of 3,222, #22 in Maryland. FEMA hazard, Carroll, MD: 0/100; NFIP stress, Carroll, MD: 62/100; construction, Carroll, MD: 49/100; Carroll, MD rescores monthly.
Is Carroll County insurance distress getting better or worse (MD)?
Carroll, MD: 22 in March 2026; Carroll, MD: 21 in October 2026 (better); Carroll, MD NFIP claims score 62.
How many flood-insurance claims has Carroll County, MD had?
Carroll, MD: 5 NFIP claims, three years; Carroll, MD paid $10,727; per Carroll, MD claim $2,145; carriers reprice Carroll, MD against that record.
Which Carroll County ZIP codes carry the most insurance distress (MD)?
Carroll, MD, June 2026: 21136 at 0, 21155 at 0, 21104 at 0, 21771 at 0; Carroll, MD climate scores there: 93, 91, 77, 76.
Why does Carroll, MD insurance distress create sellers?
A Carroll, MD premium outruns the Carroll, MD budget; a carrier leaves Carroll, MD; Carroll, MD carrying cost passes plan; Carroll, MD owners sell while current; Carroll, MD insurance distress leads Carroll, MD foreclosure data.