Onondaga County, NY: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Onondaga County, New York at 28/100 for home-insurance distress, a moderate level that places it #1639 of 3,222 counties, in the lower-risk band nationally. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.
NFIP paid $297,362 across 16 Onondaga County flood claims in three years, roughly $18,585 each; that record is what reprices coverage.
The gap between physical hazard (0/100) and realized flood losses (82/100) is what DLRadar watches to flag insurance-driven sellers in Onondaga County.
The pressure here is driven by a FEMA hazard score of 0/100; NFIP flood-claim stress of 82/100 over three years — the exposures carriers price against and increasingly decline to renew.
The Onondaga County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 28/100 reading reflects the current renewal environment rather than a historical average.
Because premiums track rebuild cost, a 0/100 construction-distress reading in Onondaga County feeds straight through to what owners are quoted.
What 28/100 means on the ground in Onondaga County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.
A #1639 national standing means little alone; DLRadar pairs Onondaga County's coverage stress with default and ownership data before calling a parcel distressed.
The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Onondaga County's score to on-the-ground foreclosure and ownership data. That is how coverage-pressured owners surface before they reach the open market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Onondaga County insurance distress — FAQ
How severe is home-insurance pressure in Onondaga County, New York?
Onondaga County scores 28/100 -- a figure rebuilt monthly rather than carried forward.
What is the NFIP flood-claim history for Onondaga County?
Over the trailing three years, Onondaga County recorded 16 NFIP flood claims with $297,362 paid out, roughly $18,585 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why is insurance distress a leading signal in Onondaga County?
In Onondaga County, a coverage bill that outruns the owner's budget - or a carrier that simply exits - can push total carrying cost past the breaking point. Those owners frequently sell ahead of any missed payment, so insurance distress works as an early, upstream read on future seller supply.