Franklin County, NY: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Franklin County, New York at 63/100 for home-insurance distress, an elevated level that places it #773 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.
The reading rests on a FEMA hazard score of 64/100; NFIP flood-claim stress of 61/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Franklin County.
Rebuilding is expensive in this market -- 46/100 on construction distress -- and coverage is priced off exactly that number.
DLRadar does not treat 63/100 as a standalone number — the Franklin County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
Hazard 64/100 plus flood-claim stress 61/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Franklin County.
The Franklin County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.
With 1 flood claims and $15,000 in payouts on the three-year record, Franklin County gives underwriters a concrete reason to reprice or exit.
Practically, Franklin County's 63/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.
DLRadar rebuilds insurance distress nationwide each month and wires Franklin County score into the parcel-level foreclosure and ownership graph. It turns a premium shock into a contactable seller list ahead of the listing.
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?
DLRadar grades Franklin County at 63/100 - MEDIUM, #773 of 3,222 U.S. counties. It combines FEMA hazard (64/100), three-year NFIP flood-claim stress (61/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What is the NFIP flood-claim history for Franklin County?
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?
A premium that outpaces the budget -- or a carrier that stops writing in Franklin County altogether -- lifts carrying cost past what the owner planned for. Selling becomes the rational response, and it typically happens before any default appears in the record, which is why the signal leads rather than lags.