Jefferson County, NY: Home-Insurance Distress & Forced-Sale Pressure
Jefferson County, NY: 59/100 (elevated) home-insurance distress; Jefferson, NY band MEDIUM; Jefferson, NY #913 of 3,222 counties; Jefferson, NY #15 of 62 in New York; raw Jefferson, NY 63.9.
FEMA hazard, Jefferson, NY: 63/100; Jefferson, NY declarations, three years: 3; Jefferson, NY perils: 3 tropical-storm; Jefferson, NY five-year count 3 (severity 4.5); Jefferson, NY ten-year 3; hazard-weighted, Jefferson, NY: 9.0.
Declared incidents on the Jefferson, NY record: 2024 Tropical Storm 3 (Jefferson, NY).
NFIP claims, Jefferson, NY, three years: 1; Jefferson, NY payouts $5,138; per Jefferson, NY claim $5,138; Jefferson, NY claim-stress 53/100.
Jefferson, NY monthly score rose, 37 (March 2026) to 57 (October 2026); Jefferson, NY by month: March 37, April 37, May 48, June 48 (Jefferson, NY), July 46, August 45, September 45, October 57.
Jefferson, NY components: climate 60, NFIP claims 53; Jefferson, NY retreat index 57.
Construction distress, Jefferson, NY: 14/100 as of August 2026 (Jefferson, NY: 31/100 one-to-four unit, 0/100 multifamily).
Jefferson, NY ZIPs, June 2026 (Jefferson, NY, 16 highest): score 0 (Jefferson, NY), climate 76 (Jefferson, NY): 13646; score 0 (Jefferson, NY), climate 75 (Jefferson, NY): 13642; score 0 (Jefferson, NY), climate 69 (Jefferson, NY): 13679; score 0 (Jefferson, NY), climate 68 (Jefferson, NY): 13083; score 0 (Jefferson, NY), climate 67 (Jefferson, NY): 13608, 13661; score 0 (Jefferson, NY), climate 66 (Jefferson, NY): 13602, 13603, 13605, 13606, Jefferson, NY 13607, 13611, 13612, 13615, Jefferson, NY 13616, 13618.
DLRadar rescores Jefferson, NY monthly; Jefferson, NY readings join Jefferson, NY foreclosure, lien and ownership parcels (Jefferson, NY), so cost-squeezed Jefferson, NY owners surface before listing.
Inside New York, Jefferson County ranks 15th of 62 counties for home-insurance distress at 59/100; Franklin County (61/100) sits just above Jefferson County, and Cortland County (55/100) sits just below Jefferson County.
Deterministic. Every Jefferson County, NY signal traces to a public Jefferson dataset (FEMA, NFIP, Census for Jefferson, NY) · how insurance distress works in Jefferson, NY · methodology
FAQ: Jefferson County, NY insurance distress
What is the Jefferson County, NY home-insurance-distress score?
Jefferson, NY: 59/100 (MEDIUM), #913 of 3,222, #15 in New York. FEMA hazard, Jefferson, NY: 63/100; NFIP stress, Jefferson, NY: 53/100; construction, Jefferson, NY: 14/100; Jefferson, NY rescores monthly.
Is Jefferson County insurance distress getting better or worse (NY)?
Jefferson, NY: 37 in March 2026; Jefferson, NY: 57 in October 2026 (worse); Jefferson, NY climate component 60; Jefferson, NY NFIP claims score 53.
How many flood-insurance claims has Jefferson County, NY had?
Jefferson, NY: 1 NFIP claims, three years; Jefferson, NY paid $5,138; per Jefferson, NY claim $5,138; carriers reprice Jefferson, NY against that record.
Which Jefferson County ZIP codes carry the most insurance distress (NY)?
Jefferson, NY, June 2026: 13646 at 0, 13642 at 0, 13679 at 0, 13083 at 0; Jefferson, NY climate scores there: 76, 75, 69, 68.
Why does Jefferson, NY insurance distress create sellers?
A Jefferson, NY premium outruns the Jefferson, NY budget; a carrier leaves Jefferson, NY; Jefferson, NY carrying cost passes plan; Jefferson, NY owners sell while current; Jefferson, NY insurance distress leads Jefferson, NY foreclosure data.