Wyoming County, NY: Home-Insurance Distress & Forced-Sale Pressure
Wyoming County, New York carries a low home-insurance-distress reading of 20/100 — ranked #2291 nationally, in the lower-risk band nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
Read together, a 0/100 hazard base and 60/100 flood-claim stress explain why Wyoming County screens as a place where coverage cost, not the loan, is the likely sale trigger.
Wyoming County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
With 1 flood claims and $12,555 in payouts on the three-year record, Wyoming County gives underwriters a concrete reason to reprice or exit.
The 20/100 signal is only useful next to the rest: in Wyoming County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.
In practice, Wyoming County's low insurance-distress level (20/100, #2291 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.
Insurers set premiums from replacement cost, and at 35/100 that input is running hot in Wyoming County.
The pressure here is driven by a FEMA hazard score of 0/100; NFIP flood-claim stress of 60/100 over three years — the exposures carriers price against and increasingly decline to renew.
DLRadar rebuilds insurance distress nationwide each month and wires Wyoming County score into the parcel-level foreclosure and ownership graph. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Wyoming County insurance distress — FAQ
How bad is home-insurance distress in Wyoming County, New York?
On the insurance-distress measure Wyoming County comes in at 20/100, recomputed every month from federal and carrier sources.
How much has flood insurance paid out in Wyoming County?
In the last three years NFIP settled 1 flood claims in Wyoming County totaling $12,555, near $12,555 per claim. Insurers read that ledger directly into premiums and renewal decisions.
Why does DLRadar treat insurance distress as an early signal in Wyoming County?
When coverage in Wyoming County becomes unaffordable or unavailable, the maths on holding the property changes. Owners in that position tend to list while still current on the mortgage, so the insurance signal arrives ahead of any foreclosure data.