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 32/100 — the 18th-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 well before any foreclosure filing appears.

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

Statewide, the pressure is driven by an average FEMA hazard score of 20/100 and average NFIP flood-claim stress of 55/100. These are the exposures carriers price against and increasingly decline to renew, and they are why premiums in New York keep climbing faster than incomes.

Over the trailing three years, New York counties recorded 1,295 NFIP flood claims totaling $38,937,021 paid — the loss history that insurers convert directly into higher premiums and thinner coverage the following renewal cycle.

The sharpest pressure concentrates in St. Lawrence County (83/100, #288 nationally) and Steuben County. The county-by-county breakdown below ranks every New York market by insurance distress, each linking to its full report.

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.