Harford County, MD: Home-Insurance Distress & Forced-Sale Pressure
Harford County, MD: 28/100 (moderate) home-insurance distress; Harford, MD band LOW; Harford, MD #1,660 of 3,222 counties; Harford, MD #7 of 24 in Maryland; raw Harford, MD 33.0; Harford, MD coverage multiplier 0.85.
FEMA hazard, Harford, MD: 0/100; Harford, MD declarations, three years: 2; Harford, MD five-year count 3 (severity 6.0); Harford, MD ten-year 3.
Declared incidents on the Harford, MD record: 2026 Winter Storm 3 (Harford, MD).
NFIP claims, Harford, MD, three years: 16; Harford, MD payouts $372,308; per Harford, MD claim $23,269; Harford, MD claim-stress 83/100.
Harford, MD monthly score: 28 in every month from March 2026 (Harford, MD) through October 2026.
Harford, MD components: NFIP claims 83; Harford, MD retreat index 28; Harford, MD climate multiplier 0.85.
Construction distress, Harford, MD: 63/100 as of August 2026 (Harford, MD: 49/100 one-to-four unit, 94/100 multifamily).
Harford, MD ZIPs, June 2026 (Harford, MD, 16 highest): score 0 (Harford, MD), climate 94 (Harford, MD): 21082; score 0 (Harford, MD), climate 93 (Harford, MD): 21087; score 0 (Harford, MD), climate 90 (Harford, MD): 21013, 21111; score 0 (Harford, MD), climate 86 (Harford, MD): 21161; score 0 (Harford, MD), climate 79 (Harford, MD): 21085; score 0 (Harford, MD), climate 78 (Harford, MD): 21001, 21005, 21009, 21010, Harford, MD 21014, 21015, 21017, 21028, Harford, MD 21034, 21040.
DLRadar rescores Harford, MD monthly; Harford, MD readings join Harford, MD foreclosure, lien and ownership parcels (Harford, MD), so cost-squeezed Harford, MD owners surface before listing.
Inside Maryland, Harford County ranks 7th of 24 counties for home-insurance distress at 28/100; Dorchester County (30/100) sits just above Harford County, and Somerset County (28/100) sits just below Harford County.
Deterministic. Every Harford County, MD signal traces to a public Harford dataset (FEMA, NFIP, Census for Harford, MD) · how insurance distress works in Harford, MD · methodology
FAQ: Harford County, MD insurance distress
What is the Harford County, MD home-insurance-distress score?
Harford, MD: 28/100 (LOW), #1,660 of 3,222, #7 in Maryland. FEMA hazard, Harford, MD: 0/100; NFIP stress, Harford, MD: 83/100; construction, Harford, MD: 63/100; Harford, MD rescores monthly.
Is Harford County insurance distress getting better or worse (MD)?
Harford, MD: 28 in March 2026; Harford, MD: 28 in October 2026 (unchanged); Harford, MD NFIP claims score 83.
How many flood-insurance claims has Harford County, MD had?
Harford, MD: 16 NFIP claims, three years; Harford, MD paid $372,308; per Harford, MD claim $23,269; carriers reprice Harford, MD against that record.
Which Harford County ZIP codes carry the most insurance distress (MD)?
Harford, MD, June 2026: 21082 at 0, 21087 at 0, 21013 at 0, 21111 at 0; Harford, MD climate scores there: 94, 93, 90, 90.
Why does Harford, MD insurance distress create sellers?
A Harford, MD premium outruns the Harford, MD budget; a carrier leaves Harford, MD; Harford, MD carrying cost passes plan; Harford, MD owners sell while current; Harford, MD insurance distress leads Harford, MD foreclosure data.