Dutchess County, NY: Home-Insurance Distress & Forced-Sale Pressure
Dutchess County, NY: 25/100 (moderate) home-insurance distress; Dutchess, NY band LOW; Dutchess, NY #1,939 of 3,222 counties; Dutchess, NY #38 of 62 in New York; raw Dutchess, NY 29.6; Dutchess, NY coverage multiplier 0.85.
FEMA hazard, Dutchess, NY: 0/100; Dutchess, NY declarations, three years: none; Dutchess, NY five-year count 3 (severity 3.0); Dutchess, NY ten-year 3.
Declared incidents on the Dutchess, NY record: 2023 Severe Storm 1 (Dutchess, NY).
NFIP claims, Dutchess, NY, three years: 10; Dutchess, NY payouts $113,259; per Dutchess, NY claim $11,326; Dutchess, NY claim-stress 74/100.
Dutchess, NY monthly score: 25 in every month from March 2026 (Dutchess, NY) through October 2026.
Dutchess, NY components: NFIP claims 74; Dutchess, NY retreat index 25; Dutchess, NY climate multiplier 0.85.
Construction distress, Dutchess, NY: 61/100 as of August 2026 (Dutchess, NY: 70/100 one-to-four unit, 50/100 multifamily).
Dutchess, NY ZIPs, June 2026 (Dutchess, NY, 16 highest): score 0 (Dutchess, NY), climate 89 (Dutchess, NY): 12501, 12504, 12507, 12508, Dutchess, NY 12512, 12514, 12522, 12524, Dutchess, NY 12527, 12538, 12540, 12545, Dutchess, NY 12564, 12569, 12570, 12572.
DLRadar rescores Dutchess, NY monthly; Dutchess, NY readings join Dutchess, NY foreclosure, lien and ownership parcels (Dutchess, NY), so cost-squeezed Dutchess, NY owners surface before listing.
Inside New York, Dutchess County ranks 38th of 62 counties for home-insurance distress at 25/100; Rensselaer County (25/100) sits just above Dutchess County, and Oneida County (25/100) sits just below Dutchess County.
Deterministic. Every Dutchess County, NY signal traces to a public Dutchess dataset (FEMA, NFIP, Census for Dutchess, NY) · how insurance distress works in Dutchess, NY · methodology
FAQ: Dutchess County, NY insurance distress
What is the Dutchess County, NY home-insurance-distress score?
Dutchess, NY: 25/100 (LOW), #1,939 of 3,222, #38 in New York. FEMA hazard, Dutchess, NY: 0/100; NFIP stress, Dutchess, NY: 74/100; construction, Dutchess, NY: 61/100; Dutchess, NY rescores monthly.
Is Dutchess County insurance distress getting better or worse (NY)?
Dutchess, NY: 25 in March 2026; Dutchess, NY: 25 in October 2026 (unchanged); Dutchess, NY NFIP claims score 74.
How many flood-insurance claims has Dutchess County, NY had?
Dutchess, NY: 10 NFIP claims, three years; Dutchess, NY paid $113,259; per Dutchess, NY claim $11,326; carriers reprice Dutchess, NY against that record.
Which Dutchess County ZIP codes carry the most insurance distress (NY)?
Dutchess, NY, June 2026: 12501 at 0, 12504 at 0, 12507 at 0, 12508 at 0; Dutchess, NY climate scores there: 89, 89, 89, 89.
Why does Dutchess, NY insurance distress create sellers?
A Dutchess, NY premium outruns the Dutchess, NY budget; a carrier leaves Dutchess, NY; Dutchess, NY carrying cost passes plan; Dutchess, NY owners sell while current; Dutchess, NY insurance distress leads Dutchess, NY foreclosure data.