Cattaraugus County, NY: Home-Insurance Distress & Forced-Sale Pressure
Cattaraugus County, New York carries a low home-insurance-distress reading of 20/100 — ranked #2305 nationally, in the lower-risk band nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
In practice, Cattaraugus County's low insurance-distress level (20/100, #2305 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.
Rebuilding is expensive in this market -- 45/100 on construction distress -- and coverage is priced off exactly that number.
The Cattaraugus County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 20/100 reading reflects the current renewal environment rather than a historical average.
DLRadar does not treat 20/100 as a standalone number — the Cattaraugus 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 county's three-year flood-loss ledger — 2 claims, $4,933 paid (~$2,467/claim) — is the evidence carriers use to justify higher rates or withdrawal.
The reading rests on a FEMA hazard score of 0/100; NFIP flood-claim stress of 59/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Cattaraugus County.
A 0/100 hazard base sitting alongside 59/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Cattaraugus County insurance distress — FAQ
How severe is home-insurance pressure in Cattaraugus County, New York?
The current reading for Cattaraugus County is 20/100, derived deterministically from hazard, claim and carrier data.
What is the NFIP flood-claim history for Cattaraugus County?
Over the trailing three years, Cattaraugus County recorded 2 NFIP flood claims with $4,933 paid out, roughly $2,467 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does DLRadar treat insurance distress as an early signal in Cattaraugus County?
When coverage in Cattaraugus 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.