Saratoga County, NY: Home-Insurance Distress & Forced-Sale Pressure
Saratoga County, NY: 21/100 (low) home-insurance distress; Saratoga, NY band LOW; Saratoga, NY #2,075 of 3,222 counties; Saratoga, NY #47 of 62 in New York; raw Saratoga, NY 25.1; Saratoga, NY coverage multiplier 0.85.
FEMA hazard, Saratoga, NY: 0/100; Saratoga, NY declarations, three years: none.
NFIP claims, Saratoga, NY, three years: 3; Saratoga, NY payouts $22,537; per Saratoga, NY claim $7,512; Saratoga, NY claim-stress 63/100.
Saratoga, NY monthly score fell, 22 (March 2026) to 21 (October 2026); Saratoga, NY by month: March 22, April 22, May 22, June 22 (Saratoga, NY), July 22, August 22, September 22, October 21.
Saratoga, NY components: NFIP claims 63; Saratoga, NY retreat index 21; Saratoga, NY climate multiplier 0.85.
Construction distress, Saratoga, NY: 65/100 as of August 2026 (Saratoga, NY: 59/100 one-to-four unit, 78/100 multifamily).
Saratoga, NY ZIPs, June 2026 (Saratoga, NY, 16 highest): score 0 (Saratoga, NY), climate 79 (Saratoga, NY): 12019, 12020, 12065, 12074, Saratoga, NY 12118, 12148, 12151, 12170, Saratoga, NY 12188, 12803, 12822, 12831, Saratoga, NY 12833, 12835, 12850, 12859.
DLRadar rescores Saratoga, NY monthly; Saratoga, NY readings join Saratoga, NY foreclosure, lien and ownership parcels (Saratoga, NY), so cost-squeezed Saratoga, NY owners surface before listing.
Inside New York, Saratoga County ranks 47th of 62 counties for home-insurance distress at 21/100; Fulton County (21/100) sits just above Saratoga County, and Wayne County (20/100) sits just below Saratoga County.
Deterministic. Every Saratoga County, NY signal traces to a public Saratoga dataset (FEMA, NFIP, Census for Saratoga, NY) · how insurance distress works in Saratoga, NY · methodology
FAQ: Saratoga County, NY insurance distress
What is the Saratoga County, NY home-insurance-distress score?
Saratoga, NY: 21/100 (LOW), #2,075 of 3,222, #47 in New York. FEMA hazard, Saratoga, NY: 0/100; NFIP stress, Saratoga, NY: 63/100; construction, Saratoga, NY: 65/100; Saratoga, NY rescores monthly.
Is Saratoga County insurance distress getting better or worse (NY)?
Saratoga, NY: 22 in March 2026; Saratoga, NY: 21 in October 2026 (better); Saratoga, NY NFIP claims score 63.
How many flood-insurance claims has Saratoga County, NY had?
Saratoga, NY: 3 NFIP claims, three years; Saratoga, NY paid $22,537; per Saratoga, NY claim $7,512; carriers reprice Saratoga, NY against that record.
Which Saratoga County ZIP codes carry the most insurance distress (NY)?
Saratoga, NY, June 2026: 12019 at 0, 12020 at 0, 12065 at 0, 12074 at 0; Saratoga, NY climate scores there: 79, 79, 79, 79.
Why does Saratoga, NY insurance distress create sellers?
A Saratoga, NY premium outruns the Saratoga, NY budget; a carrier leaves Saratoga, NY; Saratoga, NY carrying cost passes plan; Saratoga, NY owners sell while current; Saratoga, NY insurance distress leads Saratoga, NY foreclosure data.