Niagara County, NY: Home-Insurance Distress & Forced-Sale Pressure
Niagara County, NY: 25/100 (moderate) home-insurance distress; Niagara, NY band LOW; Niagara, NY #1,956 of 3,222 counties; Niagara, NY #40 of 62 in New York; raw Niagara, NY 29.0; Niagara, NY coverage multiplier 0.85.
FEMA hazard, Niagara, NY: 0/100; Niagara, NY declarations, three years: none; Niagara, NY five-year count 3 (severity 3.0); Niagara, NY ten-year 3.
Declared incidents on the Niagara, NY record: 2023 Snowstorm 3 (Niagara, NY).
NFIP claims, Niagara, NY, three years: 11; Niagara, NY payouts $87,225; per Niagara, NY claim $7,930; Niagara, NY claim-stress 72/100.
Niagara, NY monthly score rose, 23 (March 2026) to 25 (October 2026); Niagara, NY by month: March 23, April 23, May 23, June 23 (Niagara, NY), July 23, August 23, September 23, October 25.
Niagara, NY components: NFIP claims 72; Niagara, NY retreat index 25; Niagara, NY climate multiplier 0.85.
Construction distress, Niagara, NY: 38/100 as of August 2026 (Niagara, NY: 43/100 one-to-four unit, 0/100 multifamily).
Niagara, NY ZIPs, June 2026 (Niagara, NY, 16 highest): score 0 (Niagara, NY), climate 92 (Niagara, NY): 14001; score 0 (Niagara, NY), climate 84 (Niagara, NY): 14008, 14028, 14067, 14092, Niagara, NY 14094, 14108, 14109, 14120, Niagara, NY 14126, 14131, 14132, 14172, Niagara, NY 14174, 14301, 14302.
DLRadar rescores Niagara, NY monthly; Niagara, NY readings join Niagara, NY foreclosure, lien and ownership parcels (Niagara, NY), so cost-squeezed Niagara, NY owners surface before listing.
Inside New York, Niagara County ranks 40th of 62 counties for home-insurance distress at 25/100; Oneida County (25/100) sits just above Niagara County, and Tioga County (24/100) sits just below Niagara County.
Deterministic. Every Niagara County, NY signal traces to a public Niagara dataset (FEMA, NFIP, Census for Niagara, NY) · how insurance distress works in Niagara, NY · methodology
FAQ: Niagara County, NY insurance distress
What is the Niagara County, NY home-insurance-distress score?
Niagara, NY: 25/100 (LOW), #1,956 of 3,222, #40 in New York. FEMA hazard, Niagara, NY: 0/100; NFIP stress, Niagara, NY: 72/100; construction, Niagara, NY: 38/100; Niagara, NY rescores monthly.
Is Niagara County insurance distress getting better or worse (NY)?
Niagara, NY: 23 in March 2026; Niagara, NY: 25 in October 2026 (worse); Niagara, NY NFIP claims score 72.
How many flood-insurance claims has Niagara County, NY had?
Niagara, NY: 11 NFIP claims, three years; Niagara, NY paid $87,225; per Niagara, NY claim $7,930; carriers reprice Niagara, NY against that record.
Which Niagara County ZIP codes carry the most insurance distress (NY)?
Niagara, NY, June 2026: 14001 at 0, 14008 at 0, 14028 at 0, 14067 at 0; Niagara, NY climate scores there: 92, 84, 84, 84.
Why does Niagara, NY insurance distress create sellers?
A Niagara, NY premium outruns the Niagara, NY budget; a carrier leaves Niagara, NY; Niagara, NY carrying cost passes plan; Niagara, NY owners sell while current; Niagara, NY insurance distress leads Niagara, NY foreclosure data.