Clackamas County, OR: Home-Insurance Distress & Forced-Sale Pressure
Clackamas County, Oregon carries a elevated home-insurance-distress reading of 67/100 — ranked #667 nationally, in the upper half of U.S. counties. More and more, it is the insurance bill rather than the mortgage that turns a Clackamas County owner into a seller.
NFIP paid $1,848,000 across 56 Clackamas County flood claims in three years, roughly $33,000 each; that record is what reprices coverage.
Because coverage pressure seldom acts alone, Clackamas County's 67/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.
Hazard 51/100 plus flood-claim stress 91/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Clackamas County.
Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 91/100 over three years, all of which push carriers toward higher rates or non-renewal.
The Clackamas County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 67/100 reading reflects the current renewal environment rather than a historical average.
Replacement economics add to the squeeze — a 29/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
Clackamas County's 67/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Clackamas County insurance distress — FAQ
How bad is home-insurance distress in Clackamas County, Oregon?
The current reading for Clackamas County is 67/100, derived deterministically from hazard, claim and carrier data.
What does the flood-loss record look like in Clackamas County?
Across three years Clackamas County logged 56 NFIP claims at about $33,000 each.
Why do premium increases create listings in Clackamas County?
Rising or unavailable coverage in Clackamas County raises the true cost of holding a home, and once that cost crosses what an owner can carry, selling becomes the rational move - usually before foreclosure ever enters the picture. That lead time is exactly why DLRadar scores it.