Gilliam County, OR: Home-Insurance Distress & Forced-Sale Pressure
Gilliam County, OR: 35/100 (moderate) home-insurance distress; Gilliam, OR band LOW; Gilliam, OR #1,481 of 3,222 counties; Gilliam, OR #26 of 36 in Oregon; raw Gilliam, OR 46.9; Gilliam, OR coverage multiplier 0.85.
FEMA hazard, Gilliam, OR: 68/100; Gilliam, OR declarations, three years: 6; Gilliam, OR perils: 4 fire; Gilliam, OR five-year count 4 (severity 7.0); Gilliam, OR ten-year 4; hazard-weighted, Gilliam, OR: 12.0.
Declared incidents on the Gilliam, OR record: 2025 Fire 2; 2024 Fire 2 (Gilliam, OR).
NFIP claims, Gilliam, OR, three years: none; Gilliam, OR claim-stress 0/100.
Gilliam, OR monthly score fell, 36 (March 2026) to 35 (October 2026); Gilliam, OR by month: March 36, April 36, May 38, June 38 (Gilliam, OR), July 36, August 36, September 36, October 35.
Gilliam, OR components: climate 68; Gilliam, OR retreat index 35; Gilliam, OR climate multiplier 0.85.
Construction distress, Gilliam, OR: 1/100 as of August 2026 (Gilliam, OR: 1/100 one-to-four unit, 2/100 multifamily).
Gilliam, OR ZIPs, June 2026 (Gilliam, OR, 4 highest): score 0 (Gilliam, OR), climate 28 (Gilliam, OR): 97843; score 0 (Gilliam, OR), climate 5 (Gilliam, OR): 97830; score 0 (Gilliam, OR), climate 2 (Gilliam, OR): 97812, 97823.
DLRadar rescores Gilliam, OR monthly; Gilliam, OR readings join Gilliam, OR foreclosure, lien and ownership parcels (Gilliam, OR), so cost-squeezed Gilliam, OR owners surface before listing.
Inside Oregon, Gilliam County ranks 26th of 36 counties for home-insurance distress at 35/100; Baker County (35/100) sits just above Gilliam County, and Klamath County (35/100) sits just below Gilliam County.
Deterministic. Every Gilliam County, OR signal traces to a public Gilliam dataset (FEMA, NFIP, Census for Gilliam, OR) · how insurance distress works in Gilliam, OR · methodology
FAQ: Gilliam County, OR insurance distress
What is the Gilliam County, OR home-insurance-distress score?
Gilliam, OR: 35/100 (LOW), #1,481 of 3,222, #26 in Oregon. FEMA hazard, Gilliam, OR: 68/100; NFIP stress, Gilliam, OR: 0/100; construction, Gilliam, OR: 1/100; Gilliam, OR rescores monthly.
Is Gilliam County insurance distress getting better or worse (OR)?
Gilliam, OR: 36 in March 2026; Gilliam, OR: 35 in October 2026 (better); Gilliam, OR climate component 68.
Which Gilliam County ZIP codes carry the most insurance distress (OR)?
Gilliam, OR, June 2026: 97843 at 0, 97830 at 0, 97812 at 0, 97823 at 0; Gilliam, OR climate scores there: 28, 5, 2, 2.
Why does Gilliam, OR insurance distress create sellers?
A Gilliam, OR premium outruns the Gilliam, OR budget; a carrier leaves Gilliam, OR; Gilliam, OR carrying cost passes plan; Gilliam, OR owners sell while current; Gilliam, OR insurance distress leads Gilliam, OR foreclosure data.