Douglas County, OR: Home-Insurance Distress & Forced-Sale Pressure
Douglas County, OR: 61/100 (elevated) home-insurance distress; Douglas, OR band MEDIUM; Douglas, OR #867 of 3,222 counties; Douglas, OR #9 of 36 in Oregon; raw Douglas, OR 64.0.
FEMA hazard, Douglas, OR: 40/100; Douglas, OR declarations, three years: 3; Douglas, OR perils: 3 severe-storm; Douglas, OR five-year count 2 (severity 4.0); Douglas, OR ten-year 2; hazard-weighted, Douglas, OR: 3.0.
Declared incidents on the Douglas, OR record: 2025 Severe Storm 2 (Douglas, OR).
NFIP claims, Douglas, OR, three years: 54; Douglas, OR payouts $2,043,492; per Douglas, OR claim $37,842; Douglas, OR claim-stress 92/100.
Douglas, OR monthly score fell, 65 (March 2026) to 61 (October 2026); Douglas, OR by month: March 65, April 65, May 65, June 65 (Douglas, OR), July 63, August 61, September 61, October 61.
Douglas, OR components: climate 40, NFIP claims 92; Douglas, OR retreat index 61.
Construction distress, Douglas, OR: 57/100 as of August 2026 (Douglas, OR: 58/100 one-to-four unit, 0/100 multifamily).
Douglas, OR ZIPs, June 2026 (Douglas, OR, 16 highest): score 0 (Douglas, OR), climate 96 (Douglas, OR): 97424, 97493; score 0 (Douglas, OR), climate 92 (Douglas, OR): 97410, 97416, 97417, 97429, Douglas, OR 97432, 97435, 97436, 97441, Douglas, OR 97442, 97443, 97447, 97457, Douglas, OR 97462, 97467.
DLRadar rescores Douglas, OR monthly; Douglas, OR readings join Douglas, OR foreclosure, lien and ownership parcels (Douglas, OR), so cost-squeezed Douglas, OR owners surface before listing.
Inside Oregon, Douglas County ranks 8th of 36 counties for home-insurance distress at 61/100; Harney County (61/100) sits just above Douglas County, and Malheur County (60/100) sits just below Douglas County.
Deterministic. Every Douglas County, OR signal traces to a public Douglas dataset (FEMA, NFIP, Census for Douglas, OR) · how insurance distress works in Douglas, OR · methodology
FAQ: Douglas County, OR insurance distress
What is the Douglas County, OR home-insurance-distress score?
Douglas, OR: 61/100 (MEDIUM), #867 of 3,222, #9 in Oregon. FEMA hazard, Douglas, OR: 40/100; NFIP stress, Douglas, OR: 92/100; construction, Douglas, OR: 57/100; Douglas, OR rescores monthly.
Is Douglas County insurance distress getting better or worse (OR)?
Douglas, OR: 65 in March 2026; Douglas, OR: 61 in October 2026 (better); Douglas, OR climate component 40; Douglas, OR NFIP claims score 92.
How many flood-insurance claims has Douglas County, OR had?
Douglas, OR: 54 NFIP claims, three years; Douglas, OR paid $2,043,492; per Douglas, OR claim $37,842; carriers reprice Douglas, OR against that record.
Which Douglas County ZIP codes carry the most insurance distress (OR)?
Douglas, OR, June 2026: 97424 at 0, 97493 at 0, 97410 at 0, 97416 at 0; Douglas, OR climate scores there: 96, 96, 92, 92.
Why does Douglas, OR insurance distress create sellers?
A Douglas, OR premium outruns the Douglas, OR budget; a carrier leaves Douglas, OR; Douglas, OR carrying cost passes plan; Douglas, OR owners sell while current; Douglas, OR insurance distress leads Douglas, OR foreclosure data.