Herkimer County, NY: Home-Insurance Distress & Forced-Sale Pressure
Herkimer County, NY: 22/100 (low) home-insurance distress; Herkimer, NY band LOW; Herkimer, NY #2,069 of 3,222 counties; Herkimer, NY #45 of 62 in New York; raw Herkimer, NY 25.4; Herkimer, NY coverage multiplier 0.85.
FEMA hazard, Herkimer, NY: 0/100; Herkimer, NY declarations, three years: none.
NFIP claims, Herkimer, NY, three years: 3; Herkimer, NY payouts $25,615; per Herkimer, NY claim $8,538; Herkimer, NY claim-stress 63/100.
Herkimer, NY monthly score fell, 23 (March 2026) to 22 (October 2026); Herkimer, NY by month: March 23, April 23, May 22, June 22 (Herkimer, NY), July 22, August 22, September 22, October 22.
Herkimer, NY components: NFIP claims 63; Herkimer, NY retreat index 22; Herkimer, NY climate multiplier 0.85.
Construction distress, Herkimer, NY: 50/100 as of August 2026 (Herkimer, NY: 52/100 one-to-four unit, 6/100 multifamily).
Herkimer, NY ZIPs, June 2026 (Herkimer, NY, 16 highest): score 0 (Herkimer, NY), climate 86 (Herkimer, NY): 13501; score 0 (Herkimer, NY), climate 83 (Herkimer, NY): 13304, 13413; score 0 (Herkimer, NY), climate 82 (Herkimer, NY): 13456; score 0 (Herkimer, NY), climate 80 (Herkimer, NY): 13438; score 0 (Herkimer, NY), climate 78 (Herkimer, NY): 13502; score 0 (Herkimer, NY), climate 71 (Herkimer, NY): 13322; score 0 (Herkimer, NY), climate 69 (Herkimer, NY): 13439; score 0 (Herkimer, NY), climate 68 (Herkimer, NY): 13491; score 0 (Herkimer, NY), climate 67 (Herkimer, NY): 13338; score 0 (Herkimer, NY), climate 64 (Herkimer, NY): 13361, 13431; score 0 (Herkimer, NY), climate 62 (Herkimer, NY): 13339; score 0 (Herkimer, NY), climate 61 (Herkimer, NY): 13324, 13331, 13340.
DLRadar rescores Herkimer, NY monthly; Herkimer, NY readings join Herkimer, NY foreclosure, lien and ownership parcels (Herkimer, NY), so cost-squeezed Herkimer, NY owners surface before listing.
Inside New York, Herkimer County ranks 45th of 62 counties for home-insurance distress at 22/100; Washington County (22/100) sits just above Herkimer County, and Fulton County (21/100) sits just below Herkimer County.
Deterministic. Every Herkimer County, NY signal traces to a public Herkimer dataset (FEMA, NFIP, Census for Herkimer, NY) · how insurance distress works in Herkimer, NY · methodology
FAQ: Herkimer County, NY insurance distress
What is the Herkimer County, NY home-insurance-distress score?
Herkimer, NY: 22/100 (LOW), #2,069 of 3,222, #45 in New York. FEMA hazard, Herkimer, NY: 0/100; NFIP stress, Herkimer, NY: 63/100; construction, Herkimer, NY: 50/100; Herkimer, NY rescores monthly.
Is Herkimer County insurance distress getting better or worse (NY)?
Herkimer, NY: 23 in March 2026; Herkimer, NY: 22 in October 2026 (better); Herkimer, NY NFIP claims score 63.
How many flood-insurance claims has Herkimer County, NY had?
Herkimer, NY: 3 NFIP claims, three years; Herkimer, NY paid $25,615; per Herkimer, NY claim $8,538; carriers reprice Herkimer, NY against that record.
Which Herkimer County ZIP codes carry the most insurance distress (NY)?
Herkimer, NY, June 2026: 13501 at 0, 13304 at 0, 13413 at 0, 13456 at 0; Herkimer, NY climate scores there: 86, 83, 83, 82.
Why does Herkimer, NY insurance distress create sellers?
A Herkimer, NY premium outruns the Herkimer, NY budget; a carrier leaves Herkimer, NY; Herkimer, NY carrying cost passes plan; Herkimer, NY owners sell while current; Herkimer, NY insurance distress leads Herkimer, NY foreclosure data.