Coos County, NH: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Coos County, New Hampshire is currently moderate — an insurance-distress score of 37/100, in the upper half of U.S. counties at #1309 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
NFIP paid $0 across 1 Coos County flood claims in three years, roughly $0 each; that record is what reprices coverage.
Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 16/100 over three years, all of which push carriers toward higher rates or non-renewal.
A moderate level of 37/100 in Coos County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
DLRadar does not treat 37/100 as a standalone number — the Coos County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
The gap between physical hazard (51/100) and realized flood losses (16/100) is what DLRadar watches to flag insurance-driven sellers in Coos County.
Rebuild-cost inflation compounds it: construction-distress reads 2/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.
The Coos County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 37/100 reading reflects the current renewal environment rather than a historical average.
DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. That is how coverage-pressured owners surface before they reach the open market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Coos County insurance distress — FAQ
Is home insurance a problem for owners in Coos County, New Hampshire?
DLRadar grades Coos County at 37/100 - LOW, #1309 of 3,222 U.S. counties. It combines FEMA hazard (51/100), three-year NFIP flood-claim stress (16/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What is the flood-claim history in Coos County?
Over the trailing three years, Coos County recorded 1 NFIP flood claims with $0 paid out, roughly $0 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Coos County?
When coverage in Coos County becomes unaffordable or unavailable, the maths on holding the property changes. Owners in that position tend to list while still current on the mortgage, so the insurance signal arrives ahead of any foreclosure data.