Somerset County, ME: Home-Insurance Distress & Forced-Sale Pressure
Somerset County, ME: 21/100 (low) home-insurance distress; Somerset, ME band LOW; Somerset, ME #2,155 of 3,222 counties; Somerset, ME #16 of 16 in Maine; raw Somerset, ME 24.3; Somerset, ME coverage multiplier 0.85.
FEMA hazard, Somerset, ME: 40/100; Somerset, ME declarations, three years: 2; Somerset, ME perils: 2 severe-storm; Somerset, ME five-year count 12 (severity 13.5); Somerset, ME ten-year 12; hazard-weighted, Somerset, ME: 2.0.
Declared incidents on the Somerset, ME record: 2024 Severe Storm 2; 2023 Severe Storm 3 (Somerset, ME); 2023 Hurricane 1; 2023 Flood 1 (Somerset, ME).
NFIP claims, Somerset, ME, three years: none; Somerset, ME claim-stress 0/100.
Somerset, ME monthly score fell, 26 (March 2026) to 24 (October 2026); Somerset, ME by month: March 26, April 26, May 24, June 24 (Somerset, ME), July 23, August 21, September 21, October 24.
Somerset, ME components: climate 47; Somerset, ME retreat index 24; Somerset, ME climate multiplier 0.85.
Construction distress, Somerset, ME: 80/100 as of August 2026 (Somerset, ME: 80/100 one-to-four unit, 1/100 multifamily).
Somerset, ME ZIPs, June 2026 (Somerset, ME, 16 highest): score 0 (Somerset, ME), climate 75 (Somerset, ME): 04930; score 0 (Somerset, ME), climate 68 (Somerset, ME): 04911, 04912, 04920, 04923, Somerset, ME 04924, 04925, 04929, 04937, Somerset, ME 04943, 04944, 04945, 04950, Somerset, ME 04957, 04958, 04961.
DLRadar rescores Somerset, ME monthly; Somerset, ME readings join Somerset, ME foreclosure, lien and ownership parcels (Somerset, ME), so cost-squeezed Somerset, ME owners surface before listing.
Inside Maine, Somerset County ranks 16th of 16 counties for home-insurance distress at 21/100; Piscataquis County (21/100) sits just above Somerset County.
Deterministic. Every Somerset County, ME signal traces to a public Somerset dataset (FEMA, NFIP, Census for Somerset, ME) · how insurance distress works in Somerset, ME · methodology
FAQ: Somerset County, ME insurance distress
What is the Somerset County, ME home-insurance-distress score?
Somerset, ME: 21/100 (LOW), #2,155 of 3,222, #16 in Maine. FEMA hazard, Somerset, ME: 40/100; NFIP stress, Somerset, ME: 0/100; construction, Somerset, ME: 80/100; Somerset, ME rescores monthly.
Is Somerset County insurance distress getting better or worse (ME)?
Somerset, ME: 26 in March 2026; Somerset, ME: 24 in October 2026 (better); Somerset, ME climate component 47.
Which Somerset County ZIP codes carry the most insurance distress (ME)?
Somerset, ME, June 2026: 04930 at 0, 04911 at 0, 04912 at 0, 04920 at 0; Somerset, ME climate scores there: 75, 68, 68, 68.
Why does Somerset, ME insurance distress create sellers?
A Somerset, ME premium outruns the Somerset, ME budget; a carrier leaves Somerset, ME; Somerset, ME carrying cost passes plan; Somerset, ME owners sell while current; Somerset, ME insurance distress leads Somerset, ME foreclosure data.