Ulster County, NY: Home-Insurance Distress & Forced-Sale Pressure
Ulster County, NY: 31/100 (moderate) home-insurance distress; Ulster, NY band LOW; Ulster, NY #1,584 of 3,222 counties; Ulster, NY #21 of 62 in New York; raw Ulster, NY 35.9; Ulster, NY coverage multiplier 0.85.
FEMA hazard, Ulster, NY: 0/100; Ulster, NY declarations, three years: none.
NFIP claims, Ulster, NY, three years: 11; Ulster, NY payouts $843,560; per Ulster, NY claim $76,687; Ulster, NY claim-stress 90/100.
Ulster, NY monthly score rose, 30 (March 2026) to 31 (October 2026); Ulster, NY by month: March 30, April 30, May 30, June 30 (Ulster, NY), July 30, August 30, September 30, October 31.
Ulster, NY components: NFIP claims 90; Ulster, NY retreat index 31; Ulster, NY climate multiplier 0.85.
Construction distress, Ulster, NY: 2/100 as of August 2026 (Ulster, NY: 48/100 one-to-four unit, 0/100 multifamily).
Ulster, NY ZIPs, June 2026 (Ulster, NY, 16 highest): score 0 (Ulster, NY), climate 88 (Ulster, NY): 12401, 12404, 12409, 12410, Ulster, NY 12411, 12412, 12416, 12417, Ulster, NY 12419, 12420, 12428, 12429, Ulster, NY 12432, 12433, 12435, 12440.
DLRadar rescores Ulster, NY monthly; Ulster, NY readings join Ulster, NY foreclosure, lien and ownership parcels (Ulster, NY), so cost-squeezed Ulster, NY owners surface before listing.
Inside New York, Ulster County ranks 21st of 62 counties for home-insurance distress at 31/100; Hamilton County (37/100) sits just above Ulster County, and Queens County (30/100) sits just below Ulster County.
Deterministic. Every Ulster County, NY signal traces to a public Ulster dataset (FEMA, NFIP, Census for Ulster, NY) · how insurance distress works in Ulster, NY · methodology
FAQ: Ulster County, NY insurance distress
What is the Ulster County, NY home-insurance-distress score?
Ulster, NY: 31/100 (LOW), #1,584 of 3,222, #21 in New York. FEMA hazard, Ulster, NY: 0/100; NFIP stress, Ulster, NY: 90/100; construction, Ulster, NY: 2/100; Ulster, NY rescores monthly.
Is Ulster County insurance distress getting better or worse (NY)?
Ulster, NY: 30 in March 2026; Ulster, NY: 31 in October 2026 (worse); Ulster, NY NFIP claims score 90.
How many flood-insurance claims has Ulster County, NY had?
Ulster, NY: 11 NFIP claims, three years; Ulster, NY paid $843,560; per Ulster, NY claim $76,687; carriers reprice Ulster, NY against that record.
Which Ulster County ZIP codes carry the most insurance distress (NY)?
Ulster, NY, June 2026: 12401 at 0, 12404 at 0, 12409 at 0, 12410 at 0; Ulster, NY climate scores there: 88, 88, 88, 88.
Why does Ulster, NY insurance distress create sellers?
A Ulster, NY premium outruns the Ulster, NY budget; a carrier leaves Ulster, NY; Ulster, NY carrying cost passes plan; Ulster, NY owners sell while current; Ulster, NY insurance distress leads Ulster, NY foreclosure data.