Oneida County, NY: Home-Insurance Distress & Forced-Sale Pressure
Oneida County, NY: 25/100 (moderate) home-insurance distress; Oneida, NY band LOW; Oneida, NY #1,940 of 3,222 counties; Oneida, NY #39 of 62 in New York; raw Oneida, NY 29.6; Oneida, NY coverage multiplier 0.85.
FEMA hazard, Oneida, NY: 0/100; Oneida, NY declarations, three years: none.
NFIP claims, Oneida, NY, three years: 8; Oneida, NY payouts $110,839; per Oneida, NY claim $13,855; Oneida, NY claim-stress 74/100.
Oneida, NY monthly score rose, 24 (March 2026) to 25 (October 2026); Oneida, NY by month: March 24, April 24, May 24, June 24 (Oneida, NY), July 24, August 24, September 24, October 25.
Oneida, NY components: NFIP claims 74; Oneida, NY retreat index 25; Oneida, NY climate multiplier 0.85.
Construction distress, Oneida, NY: 41/100 as of August 2026 (Oneida, NY: 59/100 one-to-four unit, 1/100 multifamily).
Oneida, NY ZIPs, June 2026 (Oneida, NY, 16 highest): score 0 (Oneida, NY), climate 86 (Oneida, NY): 13054, 13123, 13157, 13162, Oneida, NY 13301, 13303, 13308, 13313, Oneida, NY 13318, 13319, 13321, 13323, Oneida, NY 13328, 13352, 13354, 13363.
DLRadar rescores Oneida, NY monthly; Oneida, NY readings join Oneida, NY foreclosure, lien and ownership parcels (Oneida, NY), so cost-squeezed Oneida, NY owners surface before listing.
Inside New York, Oneida County ranks 39th of 62 counties for home-insurance distress at 25/100; Dutchess County (25/100) sits just above Oneida County, and Niagara County (25/100) sits just below Oneida County.
Deterministic. Every Oneida County, NY signal traces to a public Oneida dataset (FEMA, NFIP, Census for Oneida, NY) · how insurance distress works in Oneida, NY · methodology
FAQ: Oneida County, NY insurance distress
What is the Oneida County, NY home-insurance-distress score?
Oneida, NY: 25/100 (LOW), #1,940 of 3,222, #39 in New York. FEMA hazard, Oneida, NY: 0/100; NFIP stress, Oneida, NY: 74/100; construction, Oneida, NY: 41/100; Oneida, NY rescores monthly.
Is Oneida County insurance distress getting better or worse (NY)?
Oneida, NY: 24 in March 2026; Oneida, NY: 25 in October 2026 (worse); Oneida, NY NFIP claims score 74.
How many flood-insurance claims has Oneida County, NY had?
Oneida, NY: 8 NFIP claims, three years; Oneida, NY paid $110,839; per Oneida, NY claim $13,855; carriers reprice Oneida, NY against that record.
Which Oneida County ZIP codes carry the most insurance distress (NY)?
Oneida, NY, June 2026: 13054 at 0, 13123 at 0, 13157 at 0, 13162 at 0; Oneida, NY climate scores there: 86, 86, 86, 86.
Why does Oneida, NY insurance distress create sellers?
A Oneida, NY premium outruns the Oneida, NY budget; a carrier leaves Oneida, NY; Oneida, NY carrying cost passes plan; Oneida, NY owners sell while current; Oneida, NY insurance distress leads Oneida, NY foreclosure data.