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

DLRadar grades Yates County, New York at 45/100 for home-insurance distress, an elevated level that places it #1140 of 3,222 counties, in the upper half of U.S. counties. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

What lifts Yates County's reading is a FEMA hazard score of 64/100; NFIP flood-claim stress of 16/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.

A 61/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

The 45/100 signal is only useful next to the rest: in Yates 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.

Yates County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.

Three years of NFIP activity in Yates County comes to 1 claims worth $0, and that ledger is what carriers price against.

Read together, a 64/100 hazard base and 16/100 flood-claim stress explain why Yates County screens as a place where coverage cost, not the loan, is the likely sale trigger.

For an acquisition buyer, a elevated reading of 45/100 in Yates County is a targeting cue: it says a meaningful slice of local owners face a coverage bill rising faster than they planned for, and some will sell rather than absorb it.

One model, every county, refreshed monthly from federal hazard and carrier data, tied back to individual parcels and their liens. The result is early access to owners whose trigger is insurance rather than default.