Oregon Home-Insurance Distress by County

Oregon reads moderate but rising in pockets for home-insurance distress — an average county score of 44/100, 14th-highest of 52 states and territories. Every one of Oregon's 36 counties is monitored for coverage pressure — the force that pushes owners to list before any default shows.

Underneath the Oregon headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

At the top of the Oregon table sits Jackson County (72/100) and Josephine County. Every Oregon county appears in the ranked table below, each linking to its own report.

NFIP paid $5,457,888 across 180 Oregon flood claims in three years; that ledger is what reprices coverage statewide.

Because Oregon is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #14 national rank and county order move with actual conditions, not a fixed snapshot.

For Oregon, the practical value is early identification — coverage-pressured owners surface here before they appear in any foreclosure feed, county by county down the list.

The Oregon average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

DLRadar treats the Oregon insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

Oregon has 1 counties in the severe band (70+), concentrating the state's coverage crisis.

Oregon's reading is built on an average FEMA hazard score of 54/100 and average NFIP flood-claim stress of 34/100; those are the risks behind rate hikes and non-renewals here.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. So in Oregon you can find the owners whose breaking point is the insurance bill, before they list.