Orleans County, NY: Home-Insurance Distress & Forced-Sale Pressure
Orleans County, NY: 20/100 (low) home-insurance distress; Orleans, NY band LOW; Orleans, NY #2,315 of 3,222 counties; Orleans, NY #49 of 62 in New York; raw Orleans, NY 23.6; Orleans, NY coverage multiplier 0.85.
FEMA hazard, Orleans, NY: 0/100; Orleans, NY declarations, three years: none.
NFIP claims, Orleans, NY, three years: 2; Orleans, NY payouts $13,550; per Orleans, NY claim $6,775; Orleans, NY claim-stress 59/100.
Orleans, NY monthly score fell, 23 (March 2026) to 20 (October 2026); Orleans, NY by month: March 23, April 23, May 22, June 22 (Orleans, NY), July 22, August 22, September 22, October 20.
Orleans, NY components: NFIP claims 59; Orleans, NY retreat index 20; Orleans, NY climate multiplier 0.85.
Construction distress, Orleans, NY: 57/100 as of August 2026 (Orleans, NY: 67/100 one-to-four unit, 1/100 multifamily).
Orleans, NY ZIPs, June 2026 (Orleans, NY, 15 highest): score 0 (Orleans, NY), climate 93 (Orleans, NY): 14420; score 0 (Orleans, NY), climate 91 (Orleans, NY): 14464; score 0 (Orleans, NY), climate 81 (Orleans, NY): 14012; score 0 (Orleans, NY), climate 69 (Orleans, NY): 14105; score 0 (Orleans, NY), climate 57 (Orleans, NY): 14125; score 0 (Orleans, NY), climate 55 (Orleans, NY): 14422; score 0 (Orleans, NY), climate 51 (Orleans, NY): 14058; score 0 (Orleans, NY), climate 23 (Orleans, NY): 14470, 14476; score 0 (Orleans, NY), climate 21 (Orleans, NY): 14098; score 0 (Orleans, NY), climate 20 (Orleans, NY): 14103, 14411, 14477, 14479, Orleans, NY 14571.
DLRadar rescores Orleans, NY monthly; Orleans, NY readings join Orleans, NY foreclosure, lien and ownership parcels (Orleans, NY), so cost-squeezed Orleans, NY owners surface before listing.
Inside New York, Orleans County ranks 49th of 62 counties for home-insurance distress at 20/100; Wayne County (20/100) sits just above Orleans County, and Cayuga County (20/100) sits just below Orleans County.
Deterministic. Every Orleans County, NY signal traces to a public Orleans dataset (FEMA, NFIP, Census for Orleans, NY) · how insurance distress works in Orleans, NY · methodology
FAQ: Orleans County, NY insurance distress
What is the Orleans County, NY home-insurance-distress score?
Orleans, NY: 20/100 (LOW), #2,315 of 3,222, #49 in New York. FEMA hazard, Orleans, NY: 0/100; NFIP stress, Orleans, NY: 59/100; construction, Orleans, NY: 57/100; Orleans, NY rescores monthly.
Is Orleans County insurance distress getting better or worse (NY)?
Orleans, NY: 23 in March 2026; Orleans, NY: 20 in October 2026 (better); Orleans, NY NFIP claims score 59.
How many flood-insurance claims has Orleans County, NY had?
Orleans, NY: 2 NFIP claims, three years; Orleans, NY paid $13,550; per Orleans, NY claim $6,775; carriers reprice Orleans, NY against that record.
Which Orleans County ZIP codes carry the most insurance distress (NY)?
Orleans, NY, June 2026: 14420 at 0, 14464 at 0, 14012 at 0, 14105 at 0; Orleans, NY climate scores there: 93, 91, 81, 69.
Why does Orleans, NY insurance distress create sellers?
A Orleans, NY premium outruns the Orleans, NY budget; a carrier leaves Orleans, NY; Orleans, NY carrying cost passes plan; Orleans, NY owners sell while current; Orleans, NY insurance distress leads Orleans, NY foreclosure data.