Camden County, NJ: Home-Insurance Distress & Forced-Sale Pressure

Insurance distress in Camden County, New Jersey reads moderate (27/100), in the lower-risk band nationally — #1664 nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

With 25 flood claims and $245,802 in payouts on the three-year record, Camden County gives underwriters a concrete reason to reprice or exit.

Camden County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.

DLRadar does not treat 27/100 as a standalone number — the Camden 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.

What lifts Camden County's reading is a FEMA hazard score of 0/100; NFIP flood-claim stress of 79/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.

For a buyer, Camden County at 27/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.

Rebuilding is expensive in this market -- 71/100 on construction distress -- and coverage is priced off exactly that number.

A 0/100 hazard base sitting alongside 79/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.

Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. It turns a premium shock into a contactable seller list ahead of the listing.