Franklin County, NY: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Franklin County, New York at 64/100 for home-insurance distress, a elevated level that places it #763 of 3,222 counties, in the upper half of U.S. counties. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
What lifts Franklin County's reading is a FEMA hazard score of 66/100; NFIP flood-claim stress of 61/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
With construction distress at 36/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
Insurance distress rarely travels by itself, so in Franklin County DLRadar aligns it with foreclosure, lien and ownership records — letting you separate owners squeezed only by coverage from those under broader financial strain.
Hazard exposure of 66/100 alongside 61/100 in flood-claim stress is the combination that turns Franklin County owners into insurance-motivated sellers.
DLRadar re-scores Franklin County every month against the latest FEMA, NFIP and carrier data, which means its insurance-distress number tracks the live market — not a snapshot frozen at some earlier point.
NFIP paid $15,000 across 1 Franklin County flood claims in three years, roughly $15,000 each; that record is what reprices coverage.
What a elevated score means on the ground in Franklin County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.
DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Franklin County insurance distress — FAQ
How bad is home-insurance distress in Franklin County, New York?
Franklin County scores 64/100 for home-insurance distress (MEDIUM), ranking #763 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (66/100), NFIP flood-claim stress (61/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Franklin County had?
Over the trailing three years, Franklin County recorded 1 NFIP flood claims with $15,000 paid out, roughly $15,000 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Franklin County?
When premiums in Franklin County rise faster than owners budgeted — or carriers stop writing policies altogether — the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.