Somerset County, MD: Home-Insurance Distress & Forced-Sale Pressure
Somerset County, MD: 28/100 (moderate) home-insurance distress; Somerset, MD band LOW; Somerset, MD #1,670 of 3,222 counties; Somerset, MD #8 of 24 in Maryland; raw Somerset, MD 32.8; Somerset, MD coverage multiplier 0.85.
FEMA hazard, Somerset, MD: 0/100; Somerset, MD declarations, three years: 2; Somerset, MD five-year count 3 (severity 6.0); Somerset, MD ten-year 3.
Declared incidents on the Somerset, MD record: 2026 Winter Storm 3 (Somerset, MD).
NFIP claims, Somerset, MD, three years: 19; Somerset, MD payouts $367,486; per Somerset, MD claim $19,341; Somerset, MD claim-stress 82/100.
Somerset, MD monthly score: 28 in every month from March 2026 (Somerset, MD) through October 2026.
Somerset, MD components: NFIP claims 82; Somerset, MD retreat index 28; Somerset, MD climate multiplier 0.85.
Construction distress, Somerset, MD: 99/100 as of August 2026 (Somerset, MD: 99/100 one-to-four unit, 2/100 multifamily).
Somerset, MD ZIPs, June 2026 (Somerset, MD, 11 highest): score 0 (Somerset, MD), climate 66 (Somerset, MD): 21851; score 0 (Somerset, MD), climate 63 (Somerset, MD): 21822; score 0 (Somerset, MD), climate 57 (Somerset, MD): 21817, 21821, 21824, 21838, Somerset, MD 21853, 21866, 21867, 21871, Somerset, MD 21890.
DLRadar rescores Somerset, MD monthly; Somerset, MD readings join Somerset, MD foreclosure, lien and ownership parcels (Somerset, MD), so cost-squeezed Somerset, MD owners surface before listing.
Inside Maryland, Somerset County ranks 8th of 24 counties for home-insurance distress at 28/100; Harford County (28/100) sits just above Somerset County, and Queen Anne's County (28/100) sits just below Somerset County.
Deterministic. Every Somerset County, MD signal traces to a public Somerset dataset (FEMA, NFIP, Census for Somerset, MD) · how insurance distress works in Somerset, MD · methodology
FAQ: Somerset County, MD insurance distress
What is the Somerset County, MD home-insurance-distress score?
Somerset, MD: 28/100 (LOW), #1,670 of 3,222, #8 in Maryland. FEMA hazard, Somerset, MD: 0/100; NFIP stress, Somerset, MD: 82/100; construction, Somerset, MD: 99/100; Somerset, MD rescores monthly.
Is Somerset County insurance distress getting better or worse (MD)?
Somerset, MD: 28 in March 2026; Somerset, MD: 28 in October 2026 (unchanged); Somerset, MD NFIP claims score 82.
How many flood-insurance claims has Somerset County, MD had?
Somerset, MD: 19 NFIP claims, three years; Somerset, MD paid $367,486; per Somerset, MD claim $19,341; carriers reprice Somerset, MD against that record.
Which Somerset County ZIP codes carry the most insurance distress (MD)?
Somerset, MD, June 2026: 21851 at 0, 21822 at 0, 21817 at 0, 21821 at 0; Somerset, MD climate scores there: 66, 63, 57, 57.
Why does Somerset, MD insurance distress create sellers?
A Somerset, MD premium outruns the Somerset, MD budget; a carrier leaves Somerset, MD; Somerset, MD carrying cost passes plan; Somerset, MD owners sell while current; Somerset, MD insurance distress leads Somerset, MD foreclosure data.