Harney County, OR: Home-Insurance Distress & Forced-Sale Pressure
Harney County, OR: 61/100 (elevated) home-insurance distress; Harney, OR band MEDIUM; Harney, OR #865 of 3,222 counties; Harney, OR #7 of 36 in Oregon.
FEMA hazard, Harney, OR: 52/100; Harney, OR declarations, three years: 2; Harney, OR perils: 2 fire; Harney, OR five-year count 2 (severity 3.0); Harney, OR ten-year 2; hazard-weighted, Harney, OR: 4.0.
Declared incidents on the Harney, OR record: 2024 Fire 2 (Harney, OR).
NFIP claims, Harney, OR, three years: 2; Harney, OR payouts $106,997; per Harney, OR claim $53,499; Harney, OR claim-stress 75/100.
Harney, OR monthly score fell, 66 (March 2026) to 61 (October 2026); Harney, OR by month: March 66, April 66, May 65, June 65 (Harney, OR), July 62, August 61, September 62, October 61.
Harney, OR components: climate 52, NFIP claims 75; Harney, OR retreat index 61.
Construction distress, Harney, OR: 51/100 as of August 2026 (Harney, OR: 70/100 one-to-four unit, 0/100 multifamily).
Harney, OR ZIPs, June 2026 (Harney, OR, 10 highest): score 0 (Harney, OR), climate 34 (Harney, OR): 97754; score 0 (Harney, OR), climate 22 (Harney, OR): 97710, 97720, 97721, 97722, Harney, OR 97732, 97736, 97738, 97904; score 0 (Harney, OR), climate 21 (Harney, OR): 97758.
DLRadar rescores Harney, OR monthly; Harney, OR readings join Harney, OR foreclosure, lien and ownership parcels (Harney, OR), so cost-squeezed Harney, OR owners surface before listing.
Inside Oregon, Harney County ranks 7th of 36 counties for home-insurance distress at 61/100; Lane County (61/100) sits just above Harney County, and Douglas County (61/100) sits just below Harney County.
Deterministic. Every Harney County, OR signal traces to a public Harney dataset (FEMA, NFIP, Census for Harney, OR) · how insurance distress works in Harney, OR · methodology
FAQ: Harney County, OR insurance distress
What is the Harney County, OR home-insurance-distress score?
Harney, OR: 61/100 (MEDIUM), #865 of 3,222, #7 in Oregon. FEMA hazard, Harney, OR: 52/100; NFIP stress, Harney, OR: 75/100; construction, Harney, OR: 51/100; Harney, OR rescores monthly.
Is Harney County insurance distress getting better or worse (OR)?
Harney, OR: 66 in March 2026; Harney, OR: 61 in October 2026 (better); Harney, OR climate component 52; Harney, OR NFIP claims score 75.
How many flood-insurance claims has Harney County, OR had?
Harney, OR: 2 NFIP claims, three years; Harney, OR paid $106,997; per Harney, OR claim $53,499; carriers reprice Harney, OR against that record.
Which Harney County ZIP codes carry the most insurance distress (OR)?
Harney, OR, June 2026: 97754 at 0, 97710 at 0, 97720 at 0, 97721 at 0; Harney, OR climate scores there: 34, 22, 22, 22.
Why does Harney, OR insurance distress create sellers?
A Harney, OR premium outruns the Harney, OR budget; a carrier leaves Harney, OR; Harney, OR carrying cost passes plan; Harney, OR owners sell while current; Harney, OR insurance distress leads Harney, OR foreclosure data.