Franklin County, NY: Home-Insurance Distress & Forced-Sale Pressure
Franklin County, NY: 61/100 (elevated) home-insurance distress; Franklin, NY band MEDIUM; Franklin, NY #862 of 3,222 counties; Franklin, NY #14 of 62 in New York.
FEMA hazard, Franklin, NY: 63/100; Franklin, NY declarations, three years: 2; Franklin, NY perils: 2 tropical-storm; Franklin, NY five-year count 6 (severity 7.5); Franklin, NY ten-year 6; hazard-weighted, Franklin, NY: 6.0.
Declared incidents on the Franklin, NY record: 2024 Tropical Storm 2; 2023 Severe Storm 1 (Franklin, NY).
NFIP claims, Franklin, NY, three years: 1; Franklin, NY payouts $15,000; per Franklin, NY claim $15,000; Franklin, NY claim-stress 58/100.
Franklin, NY monthly score fell, 69 (March 2026) to 59 (October 2026); Franklin, NY by month: March 69, April 69, May 66, June 66 (Franklin, NY), July 64, August 63, September 63, October 59.
Franklin, NY components: climate 60, NFIP claims 58; Franklin, NY retreat index 59.
Construction distress, Franklin, NY: 51/100 as of August 2026 (Franklin, NY: 51/100 one-to-four unit, 5/100 multifamily).
Franklin, NY ZIPs, June 2026 (Franklin, NY, 16 highest): score 0 (Franklin, NY), climate 75 (Franklin, NY): 12967; score 0 (Franklin, NY), climate 69 (Franklin, NY): 12981; score 0 (Franklin, NY), climate 56 (Franklin, NY): 12986; score 0 (Franklin, NY), climate 55 (Franklin, NY): 12983; score 0 (Franklin, NY), climate 54 (Franklin, NY): 12913, 12980; score 0 (Franklin, NY), climate 53 (Franklin, NY): 12914; score 0 (Franklin, NY), climate 50 (Franklin, NY): 12920, 12930; score 0 (Franklin, NY), climate 49 (Franklin, NY): 12915, 12916, 12917, 12926, Franklin, NY 12937, 12939, 12945.
DLRadar rescores Franklin, NY monthly; Franklin, NY readings join Franklin, NY foreclosure, lien and ownership parcels (Franklin, NY), so cost-squeezed Franklin, NY owners surface before listing.
Inside New York, Franklin County ranks 14th of 62 counties for home-insurance distress at 61/100; Orange County (61/100) sits just above Franklin County, and Jefferson County (59/100) sits just below Franklin County.
Deterministic. Every Franklin County, NY signal traces to a public Franklin dataset (FEMA, NFIP, Census for Franklin, NY) · how insurance distress works in Franklin, NY · methodology
FAQ: Franklin County, NY insurance distress
What is the Franklin County, NY home-insurance-distress score?
Franklin, NY: 61/100 (MEDIUM), #862 of 3,222, #14 in New York. FEMA hazard, Franklin, NY: 63/100; NFIP stress, Franklin, NY: 58/100; construction, Franklin, NY: 51/100; Franklin, NY rescores monthly.
Is Franklin County insurance distress getting better or worse (NY)?
Franklin, NY: 69 in March 2026; Franklin, NY: 59 in October 2026 (better); Franklin, NY climate component 60; Franklin, NY NFIP claims score 58.
How many flood-insurance claims has Franklin County, NY had?
Franklin, NY: 1 NFIP claims, three years; Franklin, NY paid $15,000; per Franklin, NY claim $15,000; carriers reprice Franklin, NY against that record.
Which Franklin County ZIP codes carry the most insurance distress (NY)?
Franklin, NY, June 2026: 12967 at 0, 12981 at 0, 12986 at 0, 12983 at 0; Franklin, NY climate scores there: 75, 69, 56, 55.
Why does Franklin, NY insurance distress create sellers?
A Franklin, NY premium outruns the Franklin, NY budget; a carrier leaves Franklin, NY; Franklin, NY carrying cost passes plan; Franklin, NY owners sell while current; Franklin, NY insurance distress leads Franklin, NY foreclosure data.