Lorain County, OH: Home-Insurance Distress & Forced-Sale Pressure
Lorain County, OH: 23/100 (low) home-insurance distress; Lorain, OH band LOW; Lorain, OH #2,010 of 3,222 counties; Lorain, OH #39 of 88 in Ohio; raw Lorain, OH 27.3; Lorain, OH coverage multiplier 0.85.
FEMA hazard, Lorain, OH: 0/100; Lorain, OH declarations, three years: none.
NFIP claims, Lorain, OH, three years: 9; Lorain, OH payouts $42,904; per Lorain, OH claim $4,767; Lorain, OH claim-stress 68/100.
Lorain, OH monthly score fell, 24 (March 2026) to 23 (October 2026); Lorain, OH by month: March 24, April 24, May 24, June 24 (Lorain, OH), July 24, August 24, September 24, October 23.
Lorain, OH components: NFIP claims 68; Lorain, OH retreat index 23; Lorain, OH climate multiplier 0.85.
Construction distress, Lorain, OH: 11/100 as of August 2026 (Lorain, OH: 46/100 one-to-four unit, 0/100 multifamily).
Lorain, OH ZIPs, June 2026 (Lorain, OH, 16 highest): score 0 (Lorain, OH), climate 87 (Lorain, OH): 44001, 44011, 44012, 44028, Lorain, OH 44035, 44039, 44044, 44049, Lorain, OH 44050, 44052, 44053, 44054, Lorain, OH 44055, 44074, 44090; score 0 (Lorain, OH), climate 75 (Lorain, OH): 44253.
DLRadar rescores Lorain, OH monthly; Lorain, OH readings join Lorain, OH foreclosure, lien and ownership parcels (Lorain, OH), so cost-squeezed Lorain, OH owners surface before listing.
Inside Ohio, Lorain County ranks 39th of 88 counties for home-insurance distress at 23/100; Mahoning County (24/100) sits just above Lorain County, and Pike County (23/100) sits just below Lorain County.
Deterministic. Every Lorain County, OH signal traces to a public Lorain dataset (FEMA, NFIP, Census for Lorain, OH) · how insurance distress works in Lorain, OH · methodology
FAQ: Lorain County, OH insurance distress
What is the Lorain County, OH home-insurance-distress score?
Lorain, OH: 23/100 (LOW), #2,010 of 3,222, #39 in Ohio. FEMA hazard, Lorain, OH: 0/100; NFIP stress, Lorain, OH: 68/100; construction, Lorain, OH: 11/100; Lorain, OH rescores monthly.
Is Lorain County insurance distress getting better or worse (OH)?
Lorain, OH: 24 in March 2026; Lorain, OH: 23 in October 2026 (better); Lorain, OH NFIP claims score 68.
How many flood-insurance claims has Lorain County, OH had?
Lorain, OH: 9 NFIP claims, three years; Lorain, OH paid $42,904; per Lorain, OH claim $4,767; carriers reprice Lorain, OH against that record.
Which Lorain County ZIP codes carry the most insurance distress (OH)?
Lorain, OH, June 2026: 44001 at 0, 44011 at 0, 44012 at 0, 44028 at 0; Lorain, OH climate scores there: 87, 87, 87, 87.
Why does Lorain, OH insurance distress create sellers?
A Lorain, OH premium outruns the Lorain, OH budget; a carrier leaves Lorain, OH; Lorain, OH carrying cost passes plan; Lorain, OH owners sell while current; Lorain, OH insurance distress leads Lorain, OH foreclosure data.