Oswego County, NY: Home-Insurance Distress & Forced-Sale Pressure
Oswego County, NY: 49/100 (elevated) home-insurance distress; Oswego, NY band MEDIUM; Oswego, NY #1,099 of 3,222 counties; Oswego, NY #17 of 62 in New York; raw Oswego, NY 52.5.
FEMA hazard, Oswego, NY: 40/100; Oswego, NY declarations, three years: 3; Oswego, NY perils: 3 severe-storm; Oswego, NY five-year count 3 (severity 4.5); Oswego, NY ten-year 3; hazard-weighted, Oswego, NY: 3.0.
Declared incidents on the Oswego, NY record: 2024 Severe Storm 3 (Oswego, NY).
NFIP claims, Oswego, NY, three years: 2; Oswego, NY payouts $26,118; per Oswego, NY claim $13,059; Oswego, NY claim-stress 63/100.
Oswego, NY monthly score fell, 57 (March 2026) to 49 (October 2026); Oswego, NY by month: March 57, April 57, May 54, June 54 (Oswego, NY), July 53, August 51, September 51, October 49.
Oswego, NY components: climate 40, NFIP claims 63; Oswego, NY retreat index 49.
Construction distress, Oswego, NY: 58/100 as of August 2026 (Oswego, NY: 59/100 one-to-four unit, 62/100 multifamily).
Oswego, NY ZIPs, June 2026 (Oswego, NY, 16 highest): score 0 (Oswego, NY), climate 85 (Oswego, NY): 13483; score 0 (Oswego, NY), climate 79 (Oswego, NY): 13042; score 0 (Oswego, NY), climate 74 (Oswego, NY): 13135; score 0 (Oswego, NY), climate 69 (Oswego, NY): 13069, 13316, 13493; score 0 (Oswego, NY), climate 68 (Oswego, NY): 13028, 13036, 13044, 13074, Oswego, NY 13076, 13083, 13103, 13114, Oswego, NY 13115, 13121.
DLRadar rescores Oswego, NY monthly; Oswego, NY readings join Oswego, NY foreclosure, lien and ownership parcels (Oswego, NY), so cost-squeezed Oswego, NY owners surface before listing.
Inside New York, Oswego County ranks 17th of 62 counties for home-insurance distress at 49/100; Cortland County (55/100) sits just above Oswego County, and Allegany County (44/100) sits just below Oswego County.
Deterministic. Every Oswego County, NY signal traces to a public Oswego dataset (FEMA, NFIP, Census for Oswego, NY) · how insurance distress works in Oswego, NY · methodology
FAQ: Oswego County, NY insurance distress
What is the Oswego County, NY home-insurance-distress score?
Oswego, NY: 49/100 (MEDIUM), #1,099 of 3,222, #17 in New York. FEMA hazard, Oswego, NY: 40/100; NFIP stress, Oswego, NY: 63/100; construction, Oswego, NY: 58/100; Oswego, NY rescores monthly.
Is Oswego County insurance distress getting better or worse (NY)?
Oswego, NY: 57 in March 2026; Oswego, NY: 49 in October 2026 (better); Oswego, NY climate component 40; Oswego, NY NFIP claims score 63.
How many flood-insurance claims has Oswego County, NY had?
Oswego, NY: 2 NFIP claims, three years; Oswego, NY paid $26,118; per Oswego, NY claim $13,059; carriers reprice Oswego, NY against that record.
Which Oswego County ZIP codes carry the most insurance distress (NY)?
Oswego, NY, June 2026: 13483 at 0, 13042 at 0, 13135 at 0, 13069 at 0; Oswego, NY climate scores there: 85, 79, 74, 69.
Why does Oswego, NY insurance distress create sellers?
A Oswego, NY premium outruns the Oswego, NY budget; a carrier leaves Oswego, NY; Oswego, NY carrying cost passes plan; Oswego, NY owners sell while current; Oswego, NY insurance distress leads Oswego, NY foreclosure data.