Albany County, NY: Home-Insurance Distress & Forced-Sale Pressure
Albany County, NY: 27/100 (moderate) home-insurance distress; Albany, NY band LOW; Albany, NY #1,707 of 3,222 counties; Albany, NY #30 of 62 in New York; raw Albany, NY 31.6; Albany, NY coverage multiplier 0.85.
FEMA hazard, Albany, NY: 0/100; Albany, NY declarations, three years: none.
NFIP claims, Albany, NY, three years: 23; Albany, NY payouts $264,455; per Albany, NY claim $11,498; Albany, NY claim-stress 79/100.
Albany, NY monthly score rose, 23 (March 2026) to 27 (October 2026); Albany, NY by month: March 23, April 23, May 24, June 24 (Albany, NY), July 24, August 24, September 24, October 27.
Albany, NY components: NFIP claims 79; Albany, NY retreat index 27; Albany, NY climate multiplier 0.85.
Construction distress, Albany, NY: 70/100 as of August 2026 (Albany, NY: 7/100 one-to-four unit, 93/100 multifamily).
Albany, NY ZIPs, June 2026 (Albany, NY, 16 highest): score 0 (Albany, NY), climate 86 (Albany, NY): 12007, 12009, 12041, 12045, Albany, NY 12046, 12047, 12054, 12059, Albany, NY 12067, 12077, 12084, 12085, Albany, NY 12110, 12147, 12158, 12159.
DLRadar rescores Albany, NY monthly; Albany, NY readings join Albany, NY foreclosure, lien and ownership parcels (Albany, NY), so cost-squeezed Albany, NY owners surface before listing.
Inside New York, Albany County ranks 30th of 62 counties for home-insurance distress at 27/100; Monroe County (27/100) sits just above Albany County, and Erie County (27/100) sits just below Albany County.
Deterministic. Every Albany County, NY signal traces to a public Albany dataset (FEMA, NFIP, Census for Albany, NY) · how insurance distress works in Albany, NY · methodology
FAQ: Albany County, NY insurance distress
What is the Albany County, NY home-insurance-distress score?
Albany, NY: 27/100 (LOW), #1,707 of 3,222, #30 in New York. FEMA hazard, Albany, NY: 0/100; NFIP stress, Albany, NY: 79/100; construction, Albany, NY: 70/100; Albany, NY rescores monthly.
Is Albany County insurance distress getting better or worse (NY)?
Albany, NY: 23 in March 2026; Albany, NY: 27 in October 2026 (worse); Albany, NY NFIP claims score 79.
How many flood-insurance claims has Albany County, NY had?
Albany, NY: 23 NFIP claims, three years; Albany, NY paid $264,455; per Albany, NY claim $11,498; carriers reprice Albany, NY against that record.
Which Albany County ZIP codes carry the most insurance distress (NY)?
Albany, NY, June 2026: 12007 at 0, 12009 at 0, 12041 at 0, 12045 at 0; Albany, NY climate scores there: 86, 86, 86, 86.
Why does Albany, NY insurance distress create sellers?
A Albany, NY premium outruns the Albany, NY budget; a carrier leaves Albany, NY; Albany, NY carrying cost passes plan; Albany, NY owners sell while current; Albany, NY insurance distress leads Albany, NY foreclosure data.