Oregon Home-Insurance Distress by County

Home-insurance distress across Oregon is moderate but rising in pockets, with an average county insurance-distress score of 43/100 — the 15th-highest of the 52 states and territories DLRadar scores. DLRadar tracks all 36 Oregon counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers, often well before any foreclosure filing appears.

Statewide, the pressure is driven by an average FEMA hazard score of 53/100 and average NFIP flood-claim stress of 34/100. These are the exposures carriers price against and increasingly decline to renew, and they are why premiums in Oregon keep climbing faster than incomes.

Over the trailing three years, Oregon counties recorded 180 NFIP flood claims totaling $5,457,888 paid — the loss history that insurers convert directly into higher premiums and thinner coverage the following renewal cycle.

The sharpest pressure concentrates in Clackamas County (69/100, #622 nationally) and Coos County. The county-by-county breakdown below ranks every Oregon market by insurance distress, each linking to its full report.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals — so in Oregon you can find the owners whose breaking point is the insurance bill, before they list.