Otsego County, NY: Home-Insurance Distress & Forced-Sale Pressure
Otsego County, NY: 0/100 (low) home-insurance distress; Otsego, NY band ZERO; Otsego, NY #2,935 of 3,222 counties; Otsego, NY #59 of 62 in New York; Otsego, NY coverage multiplier 0.70.
FEMA hazard, Otsego, NY: 0/100; Otsego, NY declarations, three years: none.
NFIP claims, Otsego, NY, three years: none; Otsego, NY claim-stress 0/100.
Otsego, NY monthly score: 0 in every month from March 2026 (Otsego, NY) through October 2026.
Otsego, NY components: all zero this month; Otsego, NY climate multiplier 0.70.
Construction distress, Otsego, NY: 59/100 as of August 2026 (Otsego, NY: 58/100 one-to-four unit, 8/100 multifamily).
Otsego, NY ZIPs, June 2026 (Otsego, NY, 16 highest): score 0 (Otsego, NY), climate 80 (Otsego, NY): 13750, 13775, 13838; score 0 (Otsego, NY), climate 77 (Otsego, NY): 13849; score 0 (Otsego, NY), climate 76 (Otsego, NY): 13820; score 0 (Otsego, NY), climate 75 (Otsego, NY): 12116, 12155, 12197, 13315, Otsego, NY 13320, 13326, 13333, 13335, Otsego, NY 13337, 13342, 13348.
DLRadar rescores Otsego, NY monthly; Otsego, NY readings join Otsego, NY foreclosure, lien and ownership parcels (Otsego, NY), so cost-squeezed Otsego, NY owners surface before listing.
Inside New York, Otsego County ranks 59th of 62 counties for home-insurance distress at 0/100; Montgomery County (0/100) sits just above Otsego County, and Schoharie County (0/100) sits just below Otsego County.
Deterministic. Every Otsego County, NY signal traces to a public Otsego dataset (FEMA, NFIP, Census for Otsego, NY) · how insurance distress works in Otsego, NY · methodology
FAQ: Otsego County, NY insurance distress
What is the Otsego County, NY home-insurance-distress score?
Otsego, NY: 0/100 (ZERO), #2,935 of 3,222, #59 in New York. FEMA hazard, Otsego, NY: 0/100; NFIP stress, Otsego, NY: 0/100; construction, Otsego, NY: 59/100; Otsego, NY rescores monthly.
Is Otsego County insurance distress getting better or worse (NY)?
Otsego, NY: 0 in March 2026; Otsego, NY: 0 in October 2026 (unchanged).
Which Otsego County ZIP codes carry the most insurance distress (NY)?
Otsego, NY, June 2026: 13750 at 0, 13775 at 0, 13838 at 0, 13849 at 0; Otsego, NY climate scores there: 80, 80, 80, 77.
Why does Otsego, NY insurance distress create sellers?
A Otsego, NY premium outruns the Otsego, NY budget; a carrier leaves Otsego, NY; Otsego, NY carrying cost passes plan; Otsego, NY owners sell while current; Otsego, NY insurance distress leads Otsego, NY foreclosure data.