Cortland County, NY: Home-Insurance Distress & Forced-Sale Pressure
Cortland County, NY: 55/100 (elevated) home-insurance distress; Cortland, NY band MEDIUM; Cortland, NY #1,005 of 3,222 counties; Cortland, NY #16 of 62 in New York; raw Cortland, NY 58.7.
FEMA hazard, Cortland, NY: 52/100; Cortland, NY declarations, three years: 3; Cortland, NY perils: 2 flood; Cortland, NY five-year count 3 (severity 4.5); Cortland, NY ten-year 3; hazard-weighted, Cortland, NY: 6.0.
Declared incidents on the Cortland, NY record: 2024 Flood 3 (Cortland, NY).
NFIP claims, Cortland, NY, three years: 2; Cortland, NY payouts $11,507; per Cortland, NY claim $5,754; Cortland, NY claim-stress 58/100.
Cortland, NY monthly score rose, 33 (March 2026) to 55 (October 2026); Cortland, NY by month: March 33, April 33, May 41, June 41 (Cortland, NY), July 39, August 38, September 38, October 55.
Cortland, NY components: climate 52, NFIP claims 58; Cortland, NY retreat index 55.
Construction distress, Cortland, NY: 2/100 as of August 2026 (Cortland, NY: 40/100 one-to-four unit, 2/100 multifamily).
Cortland, NY ZIPs, June 2026 (Cortland, NY, 16 highest): score 0 (Cortland, NY), climate 86 (Cortland, NY): 13862; score 0 (Cortland, NY), climate 79 (Cortland, NY): 13159; score 0 (Cortland, NY), climate 71 (Cortland, NY): 13136; score 0 (Cortland, NY), climate 69 (Cortland, NY): 13841; score 0 (Cortland, NY), climate 67 (Cortland, NY): 13141; score 0 (Cortland, NY), climate 66 (Cortland, NY): 13053, 13835; score 0 (Cortland, NY), climate 64 (Cortland, NY): 13052; score 0 (Cortland, NY), climate 59 (Cortland, NY): 13077; score 0 (Cortland, NY), climate 57 (Cortland, NY): 13803; score 0 (Cortland, NY), climate 56 (Cortland, NY): 13040, 13045; score 0 (Cortland, NY), climate 55 (Cortland, NY): 13158; score 0 (Cortland, NY), climate 54 (Cortland, NY): 13863; score 0 (Cortland, NY), climate 53 (Cortland, NY): 13087, 13101.
DLRadar rescores Cortland, NY monthly; Cortland, NY readings join Cortland, NY foreclosure, lien and ownership parcels (Cortland, NY), so cost-squeezed Cortland, NY owners surface before listing.
Inside New York, Cortland County ranks 16th of 62 counties for home-insurance distress at 55/100; Jefferson County (59/100) sits just above Cortland County, and Oswego County (49/100) sits just below Cortland County.
Deterministic. Every Cortland County, NY signal traces to a public Cortland dataset (FEMA, NFIP, Census for Cortland, NY) · how insurance distress works in Cortland, NY · methodology
FAQ: Cortland County, NY insurance distress
What is the Cortland County, NY home-insurance-distress score?
Cortland, NY: 55/100 (MEDIUM), #1,005 of 3,222, #16 in New York. FEMA hazard, Cortland, NY: 52/100; NFIP stress, Cortland, NY: 58/100; construction, Cortland, NY: 2/100; Cortland, NY rescores monthly.
Is Cortland County insurance distress getting better or worse (NY)?
Cortland, NY: 33 in March 2026; Cortland, NY: 55 in October 2026 (worse); Cortland, NY climate component 52; Cortland, NY NFIP claims score 58.
How many flood-insurance claims has Cortland County, NY had?
Cortland, NY: 2 NFIP claims, three years; Cortland, NY paid $11,507; per Cortland, NY claim $5,754; carriers reprice Cortland, NY against that record.
Which Cortland County ZIP codes carry the most insurance distress (NY)?
Cortland, NY, June 2026: 13862 at 0, 13159 at 0, 13136 at 0, 13841 at 0; Cortland, NY climate scores there: 86, 79, 71, 69.
Why does Cortland, NY insurance distress create sellers?
A Cortland, NY premium outruns the Cortland, NY budget; a carrier leaves Cortland, NY; Cortland, NY carrying cost passes plan; Cortland, NY owners sell while current; Cortland, NY insurance distress leads Cortland, NY foreclosure data.