Frederick County, MD: Home-Insurance Distress & Forced-Sale Pressure
Frederick County, MD: 21/100 (low) home-insurance distress; Frederick, MD band LOW; Frederick, MD #2,105 of 3,222 counties; Frederick, MD #24 of 24 in Maryland; raw Frederick, MD 24.4; Frederick, MD coverage multiplier 0.85.
FEMA hazard, Frederick, MD: 0/100; Frederick, MD declarations, three years: 2; Frederick, MD five-year count 3 (severity 6.0); Frederick, MD ten-year 3.
Declared incidents on the Frederick, MD record: 2026 Winter Storm 3 (Frederick, MD).
NFIP claims, Frederick, MD, three years: 4; Frederick, MD payouts $12,350; per Frederick, MD claim $3,088; Frederick, MD claim-stress 61/100.
Frederick, MD monthly score fell, 22 (March 2026) to 21 (October 2026); Frederick, MD by month: March 22, April 22, May 21, June 21 (Frederick, MD), July 21, August 21, September 21, October 21.
Frederick, MD components: NFIP claims 61; Frederick, MD retreat index 21; Frederick, MD climate multiplier 0.85.
Construction distress, Frederick, MD: 64/100 as of August 2026 (Frederick, MD: 50/100 one-to-four unit, 98/100 multifamily).
Frederick, MD ZIPs, June 2026 (Frederick, MD, 16 highest): score 0 (Frederick, MD), climate 91 (Frederick, MD): 20871; score 0 (Frederick, MD), climate 89 (Frederick, MD): 20842; score 0 (Frederick, MD), climate 79 (Frederick, MD): 21701, 21702, 21703, 21704, Frederick, MD 21705, 21710, 21714, 21716, Frederick, MD 21717, 21718, 21727, 21754, Frederick, MD 21755, 21762.
DLRadar rescores Frederick, MD monthly; Frederick, MD readings join Frederick, MD foreclosure, lien and ownership parcels (Frederick, MD), so cost-squeezed Frederick, MD owners surface before listing.
Inside Maryland, Frederick County ranks 24th of 24 counties for home-insurance distress at 21/100; Washington County (21/100) sits just above Frederick County.
Deterministic. Every Frederick County, MD signal traces to a public Frederick dataset (FEMA, NFIP, Census for Frederick, MD) · how insurance distress works in Frederick, MD · methodology
FAQ: Frederick County, MD insurance distress
What is the Frederick County, MD home-insurance-distress score?
Frederick, MD: 21/100 (LOW), #2,105 of 3,222, #24 in Maryland. FEMA hazard, Frederick, MD: 0/100; NFIP stress, Frederick, MD: 61/100; construction, Frederick, MD: 64/100; Frederick, MD rescores monthly.
Is Frederick County insurance distress getting better or worse (MD)?
Frederick, MD: 22 in March 2026; Frederick, MD: 21 in October 2026 (better); Frederick, MD NFIP claims score 61.
How many flood-insurance claims has Frederick County, MD had?
Frederick, MD: 4 NFIP claims, three years; Frederick, MD paid $12,350; per Frederick, MD claim $3,088; carriers reprice Frederick, MD against that record.
Which Frederick County ZIP codes carry the most insurance distress (MD)?
Frederick, MD, June 2026: 20871 at 0, 20842 at 0, 21701 at 0, 21702 at 0; Frederick, MD climate scores there: 91, 89, 79, 79.
Why does Frederick, MD insurance distress create sellers?
A Frederick, MD premium outruns the Frederick, MD budget; a carrier leaves Frederick, MD; Frederick, MD carrying cost passes plan; Frederick, MD owners sell while current; Frederick, MD insurance distress leads Frederick, MD foreclosure data.