Delaware County, NY: Home-Insurance Distress & Forced-Sale Pressure
Delaware County, NY: 68/100 (elevated) home-insurance distress; Delaware, NY band MEDIUM; Delaware, NY #673 of 3,222 counties; Delaware, NY #4 of 62 in New York.
FEMA hazard, Delaware, NY: 63/100; Delaware, NY declarations, three years: 2; Delaware, NY perils: 2 tropical-storm; Delaware, NY five-year count 3 (severity 4.5); Delaware, NY ten-year 3; hazard-weighted, Delaware, NY: 6.0.
Declared incidents on the Delaware, NY record: 2024 Tropical Storm 2 (Delaware, NY).
NFIP claims, Delaware, NY, three years: 14; Delaware, NY payouts $162,896; per Delaware, NY claim $11,635; Delaware, NY claim-stress 76/100.
Delaware, NY monthly score fell, 75 (March 2026) to 66 (October 2026); Delaware, NY by month: March 75, April 75, May 73, June 73 (Delaware, NY), July 70, August 70, September 69, October 66.
Delaware, NY components: climate 60, NFIP claims 76; Delaware, NY retreat index 66.
Construction distress, Delaware, NY: 20/100 as of August 2026 (Delaware, NY: 21/100 one-to-four unit, 4/100 multifamily).
Delaware, NY ZIPs, June 2026 (Delaware, NY, 16 highest): score 0 (Delaware, NY), climate 86 (Delaware, NY): 12465; score 0 (Delaware, NY), climate 85 (Delaware, NY): 12406; score 0 (Delaware, NY), climate 84 (Delaware, NY): 13754; score 0 (Delaware, NY), climate 82 (Delaware, NY): 12441; score 0 (Delaware, NY), climate 81 (Delaware, NY): 12455, 12758; score 0 (Delaware, NY), climate 80 (Delaware, NY): 12421, 12434, 12438, 12459, Delaware, NY 12474, 12760, 13731, 13739, Delaware, NY 13740, 13750.
DLRadar rescores Delaware, NY monthly; Delaware, NY readings join Delaware, NY foreclosure, lien and ownership parcels (Delaware, NY), so cost-squeezed Delaware, NY owners surface before listing.
Inside New York, Delaware County ranks 4th of 62 counties for home-insurance distress at 68/100; Suffolk County (70/100) sits just above Delaware County, and Chenango County (67/100) sits just below Delaware County.
Deterministic. Every Delaware County, NY signal traces to a public Delaware dataset (FEMA, NFIP, Census for Delaware, NY) · how insurance distress works in Delaware, NY · methodology
FAQ: Delaware County, NY insurance distress
What is the Delaware County, NY home-insurance-distress score?
Delaware, NY: 68/100 (MEDIUM), #673 of 3,222, #4 in New York. FEMA hazard, Delaware, NY: 63/100; NFIP stress, Delaware, NY: 76/100; construction, Delaware, NY: 20/100; Delaware, NY rescores monthly.
Is Delaware County insurance distress getting better or worse (NY)?
Delaware, NY: 75 in March 2026; Delaware, NY: 66 in October 2026 (better); Delaware, NY climate component 60; Delaware, NY NFIP claims score 76.
How many flood-insurance claims has Delaware County, NY had?
Delaware, NY: 14 NFIP claims, three years; Delaware, NY paid $162,896; per Delaware, NY claim $11,635; carriers reprice Delaware, NY against that record.
Which Delaware County ZIP codes carry the most insurance distress (NY)?
Delaware, NY, June 2026: 12465 at 0, 12406 at 0, 13754 at 0, 12441 at 0; Delaware, NY climate scores there: 86, 85, 84, 82.
Why does Delaware, NY insurance distress create sellers?
A Delaware, NY premium outruns the Delaware, NY budget; a carrier leaves Delaware, NY; Delaware, NY carrying cost passes plan; Delaware, NY owners sell while current; Delaware, NY insurance distress leads Delaware, NY foreclosure data.