New York Home-Insurance Distress by County

Home-insurance distress across New York is moderate but rising in pockets, with an average county insurance-distress score of 31/100 — the 19th-highest of the 52 states and territories DLRadar scores. DLRadar tracks all 62 New York counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

3 of New York's 62 counties carry a severe insurance-distress score of 70 or higher — where coverage is hardest to keep and carrying cost, not the mortgage, is the sale trigger.

The New York insurance-distress score is a composite rather than a single premium figure: it blends FEMA physical-hazard exposure, NFIP flood-claim history, and a carrier-pressure proxy that captures where insurers are raising rates or declining to renew, so a county can rank high on hazard yet moderate on realized losses, or the reverse.

New York's three-year flood-loss record — 1,295 claims, $38,937,021 paid — is the evidence carriers cite for pullback.

The New York numbers refresh monthly as FEMA hazard revisions, new NFIP claim settlements and carrier filings arrive, so the state's 31/100 average and county ranking reflect the current renewal environment rather than a stale historical read.

For anyone sourcing acquisitions in New York, the value of a state-level insurance read is that it points to which counties to open first: a moderate but rising in pockets average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

Behind the state number sit an average FEMA hazard score of 20/100 and average NFIP flood-claim stress of 55/100, the hazard basis insurers use to reprice New York coverage.

Insurance pressure in New York is most useful read against the rest: DLRadar aligns it with foreclosure, lender-stress and ownership data county by county, separating owners squeezed only by premiums from those under broader strain.

St. Lawrence County leads New York at 83/100, with Steuben County close behind. All New York counties are listed below in distress order, each one clickable for the detail.

Treated properly, New York's insurance distress is a lead source: it flags owners whose breaking point is the policy, and the ranked counties below are where to start.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. So in New York you can find the owners whose breaking point is the insurance bill, before they list.