Deschutes County, OR: Home-Insurance Distress & Forced-Sale Pressure
Deschutes County, OR: 45/100 (elevated) home-insurance distress; Deschutes, OR band MEDIUM; Deschutes, OR #1,225 of 3,222 counties; Deschutes, OR #23 of 36 in Oregon; raw Deschutes, OR 53.4; Deschutes, OR coverage multiplier 0.85.
FEMA hazard, Deschutes, OR: 89/100; Deschutes, OR declarations, three years: 8; Deschutes, OR perils: 8 fire; Deschutes, OR five-year count 6 (severity 10.0); Deschutes, OR ten-year 6; hazard-weighted, Deschutes, OR: 16.0.
Declared incidents on the Deschutes, OR record: 2026 Fire 2; 2025 Fire 2 (Deschutes, OR); 2024 Fire 4 (Deschutes, OR).
NFIP claims, Deschutes, OR, three years: none; Deschutes, OR claim-stress 0/100.
Deschutes, OR monthly score rose, 40 (March 2026) to 45 (October 2026); Deschutes, OR by month: March 40, April 40, May 44, June 44 (Deschutes, OR), July 44, August 46, September 46, October 45.
Deschutes, OR components: climate 88; Deschutes, OR retreat index 45; Deschutes, OR climate multiplier 0.85.
Construction distress, Deschutes, OR: 43/100 as of August 2026 (Deschutes, OR: 23/100 one-to-four unit, 66/100 multifamily).
Deschutes, OR ZIPs, June 2026 (Deschutes, OR, 10 highest): score 0 (Deschutes, OR), climate 86 (Deschutes, OR): 97702, 97703, 97707, 97709, Deschutes, OR 97712; score 0 (Deschutes, OR), climate 84 (Deschutes, OR): 97739; score 0 (Deschutes, OR), climate 82 (Deschutes, OR): 97701; score 0 (Deschutes, OR), climate 78 (Deschutes, OR): 97756; score 0 (Deschutes, OR), climate 71 (Deschutes, OR): 97759; score 0 (Deschutes, OR), climate 58 (Deschutes, OR): 97760.
DLRadar rescores Deschutes, OR monthly; Deschutes, OR readings join Deschutes, OR foreclosure, lien and ownership parcels (Deschutes, OR), so cost-squeezed Deschutes, OR owners surface before listing.
Inside Oregon, Deschutes County ranks 23rd of 36 counties for home-insurance distress at 45/100; Polk County (46/100) sits just above Deschutes County, and Wheeler County (40/100) sits just below Deschutes County.
Deterministic. Every Deschutes County, OR signal traces to a public Deschutes dataset (FEMA, NFIP, Census for Deschutes, OR) · how insurance distress works in Deschutes, OR · methodology
FAQ: Deschutes County, OR insurance distress
What is the Deschutes County, OR home-insurance-distress score?
Deschutes, OR: 45/100 (MEDIUM), #1,225 of 3,222, #23 in Oregon. FEMA hazard, Deschutes, OR: 89/100; NFIP stress, Deschutes, OR: 0/100; construction, Deschutes, OR: 43/100; Deschutes, OR rescores monthly.
Is Deschutes County insurance distress getting better or worse (OR)?
Deschutes, OR: 40 in March 2026; Deschutes, OR: 45 in October 2026 (worse); Deschutes, OR climate component 88.
Which Deschutes County ZIP codes carry the most insurance distress (OR)?
Deschutes, OR, June 2026: 97702 at 0, 97703 at 0, 97707 at 0, 97709 at 0; Deschutes, OR climate scores there: 86, 86, 86, 86.
Why does Deschutes, OR insurance distress create sellers?
A Deschutes, OR premium outruns the Deschutes, OR budget; a carrier leaves Deschutes, OR; Deschutes, OR carrying cost passes plan; Deschutes, OR owners sell while current; Deschutes, OR insurance distress leads Deschutes, OR foreclosure data.