Charles County, MD: Home-Insurance Distress & Forced-Sale Pressure
Charles County, MD: 21/100 (low) home-insurance distress; Charles, MD band LOW; Charles, MD #2,083 of 3,222 counties; Charles, MD #21 of 24 in Maryland; raw Charles, MD 25.1; Charles, MD coverage multiplier 0.85.
FEMA hazard, Charles, MD: 0/100; Charles, MD declarations, three years: 2; Charles, MD five-year count 3 (severity 6.0); Charles, MD ten-year 3.
Declared incidents on the Charles, MD record: 2026 Winter Storm 2 (Charles, MD).
NFIP claims, Charles, MD, three years: 4; Charles, MD payouts $18,909; per Charles, MD claim $4,727; Charles, MD claim-stress 63/100.
Charles, MD monthly score fell, 22 (March 2026) to 21 (October 2026); Charles, MD by month: March 22, April 22, May 22, June 22 (Charles, MD), July 22, August 22, September 22, October 21.
Charles, MD components: NFIP claims 63; Charles, MD retreat index 21; Charles, MD climate multiplier 0.85.
Construction distress, Charles, MD: 96/100 as of August 2026 (Charles, MD: 96/100 one-to-four unit, 95/100 multifamily).
Charles, MD ZIPs, June 2026 (Charles, MD, 16 highest): score 0 (Charles, MD), climate 91 (Charles, MD): 20607; score 0 (Charles, MD), climate 90 (Charles, MD): 20613; score 0 (Charles, MD), climate 60 (Charles, MD): 20601; score 0 (Charles, MD), climate 54 (Charles, MD): 20602, 20603, 20611, 20612, Charles, MD 20616, 20617, 20622, 20625, Charles, MD 20632, 20637, 20640, 20645, Charles, MD 20646.
DLRadar rescores Charles, MD monthly; Charles, MD readings join Charles, MD foreclosure, lien and ownership parcels (Charles, MD), so cost-squeezed Charles, MD owners surface before listing.
Inside Maryland, Charles County ranks 21st of 24 counties for home-insurance distress at 21/100; St. Mary's County (22/100) sits just above Charles County, and Carroll County (21/100) sits just below Charles County.
Deterministic. Every Charles County, MD signal traces to a public Charles dataset (FEMA, NFIP, Census for Charles, MD) · how insurance distress works in Charles, MD · methodology
FAQ: Charles County, MD insurance distress
What is the Charles County, MD home-insurance-distress score?
Charles, MD: 21/100 (LOW), #2,083 of 3,222, #21 in Maryland. FEMA hazard, Charles, MD: 0/100; NFIP stress, Charles, MD: 63/100; construction, Charles, MD: 96/100; Charles, MD rescores monthly.
Is Charles County insurance distress getting better or worse (MD)?
Charles, MD: 22 in March 2026; Charles, MD: 21 in October 2026 (better); Charles, MD NFIP claims score 63.
How many flood-insurance claims has Charles County, MD had?
Charles, MD: 4 NFIP claims, three years; Charles, MD paid $18,909; per Charles, MD claim $4,727; carriers reprice Charles, MD against that record.
Which Charles County ZIP codes carry the most insurance distress (MD)?
Charles, MD, June 2026: 20607 at 0, 20613 at 0, 20601 at 0, 20602 at 0; Charles, MD climate scores there: 91, 90, 60, 54.
Why does Charles, MD insurance distress create sellers?
A Charles, MD premium outruns the Charles, MD budget; a carrier leaves Charles, MD; Charles, MD carrying cost passes plan; Charles, MD owners sell while current; Charles, MD insurance distress leads Charles, MD foreclosure data.