St. Lawrence County, NY: Home-Insurance Distress & Forced-Sale Pressure
St. Lawrence County, NY: 80/100 (severe) home-insurance distress; St. Lawrence, NY band HIGH; St. Lawrence, NY #335 of 3,222 counties; St. Lawrence, NY #1 of 62 in New York; raw St. Lawrence, NY 86.5.
FEMA hazard, St. Lawrence, NY: 74/100; St. Lawrence, NY declarations, three years: 6; St. Lawrence, NY perils: 3 tropical-storm, 2 flood; St. Lawrence, NY five-year count 9 (severity 12.0); St. Lawrence, NY ten-year 9; hazard-weighted, St. Lawrence, NY: 15.0.
Declared incidents on the St. Lawrence, NY record: 2024 Tropical Storm 3; 2024 Flood 3 (St. Lawrence, NY); 2023 Snowstorm 3 (St. Lawrence, NY).
NFIP claims, St. Lawrence, NY, three years: 8; St. Lawrence, NY payouts $1,096,561; per St. Lawrence, NY claim $137,070; St. Lawrence, NY claim-stress 90/100.
St. Lawrence, NY monthly score fell, 86 (March 2026) to 80 (October 2026); St. Lawrence, NY by month: March 86, April 86, May 83, June 83 (St. Lawrence, NY), July 82, August 83, September 81, October 80.
St. Lawrence, NY components: climate 73, NFIP claims 90; St. Lawrence, NY retreat index 80.
Construction distress, St. Lawrence, NY: 51/100 as of August 2026 (St. Lawrence, NY: 54/100 one-to-four unit, 0/100 multifamily).
St. Lawrence, NY ZIPs, June 2026 (St. Lawrence, NY, 16 highest): score 0 (St. Lawrence, NY), climate 76 (St. Lawrence, NY): 12922, 12927, 12965, 12973, St. Lawrence, NY 13613, 13614, 13617, 13621, St. Lawrence, NY 13623, 13625, 13630, 13633, St. Lawrence, NY 13635, 13639, 13645, 13646.
DLRadar rescores St. Lawrence, NY monthly; St. Lawrence, NY readings join St. Lawrence, NY foreclosure, lien and ownership parcels (St. Lawrence, NY), so cost-squeezed St. Lawrence, NY owners surface before listing.
Inside New York, St. Lawrence County ranks 1st of 62 counties for home-insurance distress at 80/100; Steuben County (72/100) sits just below St. Lawrence County.
Deterministic. Every St. Lawrence County, NY signal traces to a public St. Lawrence dataset (FEMA, NFIP, Census for St. Lawrence, NY) · how insurance distress works in St. Lawrence, NY · methodology
FAQ: St. Lawrence County, NY insurance distress
What is the St. Lawrence County, NY home-insurance-distress score?
St. Lawrence, NY: 80/100 (HIGH), #335 of 3,222, #1 in New York. FEMA hazard, St. Lawrence, NY: 74/100; NFIP stress, St. Lawrence, NY: 90/100; construction, St. Lawrence, NY: 51/100; St. Lawrence, NY rescores monthly.
Is St. Lawrence County insurance distress getting better or worse (NY)?
St. Lawrence, NY: 86 in March 2026; St. Lawrence, NY: 80 in October 2026 (better); St. Lawrence, NY climate component 73; St. Lawrence, NY NFIP claims score 90.
How many flood-insurance claims has St. Lawrence County, NY had?
St. Lawrence, NY: 8 NFIP claims, three years; St. Lawrence, NY paid $1,096,561; per St. Lawrence, NY claim $137,070; carriers reprice St. Lawrence, NY against that record.
Which St. Lawrence County ZIP codes carry the most insurance distress (NY)?
St. Lawrence, NY, June 2026: 12922 at 0, 12927 at 0, 12965 at 0, 12973 at 0; St. Lawrence, NY climate scores there: 76, 76, 76, 76.
Why does St. Lawrence, NY insurance distress create sellers?
A St. Lawrence, NY premium outruns the St. Lawrence, NY budget; a carrier leaves St. Lawrence, NY; St. Lawrence, NY carrying cost passes plan; St. Lawrence, NY owners sell while current; St. Lawrence, NY insurance distress leads St. Lawrence, NY foreclosure data.