Sullivan County, NY: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Sullivan County, New York is currently low — an insurance-distress score of 5/100, in the lower-risk band nationally at #2428 of the 3,222 U.S. counties DLRadar scores. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 16/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

A #2428 national standing means little alone; DLRadar pairs Sullivan County's coverage stress with default and ownership data before calling a parcel distressed.

Sullivan County's 5/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #2428 position shifts between updates.

In practice, Sullivan County's low insurance-distress level (5/100, #2428 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.

The gap between physical hazard (0/100) and realized flood losses (16/100) is what DLRadar watches to flag insurance-driven sellers in Sullivan County.

With 1 flood claims and $0 in payouts on the three-year record, Sullivan County gives underwriters a concrete reason to reprice or exit.

Construction distress sits at 78/100, so the replacement cost insurers underwrite against is elevated here.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.