Josephine County, OR: Home-Insurance Distress & Forced-Sale Pressure
Josephine County, OR: 68/100 (elevated) home-insurance distress; Josephine, OR band MEDIUM; Josephine, OR #672 of 3,222 counties; Josephine, OR #3 of 36 in Oregon; raw Josephine, OR 73.2.
FEMA hazard, Josephine, OR: 63/100; Josephine, OR declarations, three years: 6; Josephine, OR perils: 2 fire, 3 severe-storm; Josephine, OR five-year count 2 (severity 4.0); Josephine, OR ten-year 2; hazard-weighted, Josephine, OR: 9.0.
Declared incidents on the Josephine, OR record: 2026 Fire 2; 2025 Severe Storm 2 (Josephine, OR).
NFIP claims, Josephine, OR, three years: 4; Josephine, OR payouts $130,283; per Josephine, OR claim $32,571; Josephine, OR claim-stress 76/100.
Josephine, OR monthly score rose, 60 (March 2026) to 66 (October 2026); Josephine, OR by month: March 60, April 60, May 59, June 59 (Josephine, OR), July 58, August 70, September 69, October 66.
Josephine, OR components: climate 60, NFIP claims 76; Josephine, OR retreat index 66.
Construction distress, Josephine, OR: 47/100 as of August 2026 (Josephine, OR: 68/100 one-to-four unit, 0/100 multifamily).
Josephine, OR ZIPs, June 2026 (Josephine, OR, 11 highest): score 62 (Josephine, OR), climate 89, price stress 50 (Josephine, OR): 97497, 97523, 97526, 97527, Josephine, OR 97531, 97532, 97534, 97538, Josephine, OR 97543, 97544; score 0 (Josephine, OR), climate 92 (Josephine, OR): 97530.
DLRadar rescores Josephine, OR monthly; Josephine, OR readings join Josephine, OR foreclosure, lien and ownership parcels (Josephine, OR), so cost-squeezed Josephine, OR owners surface before listing.
Inside Oregon, Josephine County ranks 4th of 36 counties for home-insurance distress at 68/100; Clackamas County (69/100) sits just above Josephine County, and Coos County (67/100) sits just below Josephine County.
Deterministic. Every Josephine County, OR signal traces to a public Josephine dataset (FEMA, NFIP, Census for Josephine, OR) · how insurance distress works in Josephine, OR · methodology
FAQ: Josephine County, OR insurance distress
What is the Josephine County, OR home-insurance-distress score?
Josephine, OR: 68/100 (MEDIUM), #672 of 3,222, #3 in Oregon. FEMA hazard, Josephine, OR: 63/100; NFIP stress, Josephine, OR: 76/100; construction, Josephine, OR: 47/100; Josephine, OR rescores monthly.
Is Josephine County insurance distress getting better or worse (OR)?
Josephine, OR: 60 in March 2026; Josephine, OR: 66 in October 2026 (worse); Josephine, OR climate component 60; Josephine, OR NFIP claims score 76.
How many flood-insurance claims has Josephine County, OR had?
Josephine, OR: 4 NFIP claims, three years; Josephine, OR paid $130,283; per Josephine, OR claim $32,571; carriers reprice Josephine, OR against that record.
Which Josephine County ZIP codes carry the most insurance distress (OR)?
Josephine, OR, June 2026: 97497 at 62, 97523 at 62, 97526 at 62, 97527 at 62; Josephine, OR climate scores there: 89, 89, 89, 89.
Why does Josephine, OR insurance distress create sellers?
A Josephine, OR premium outruns the Josephine, OR budget; a carrier leaves Josephine, OR; Josephine, OR carrying cost passes plan; Josephine, OR owners sell while current; Josephine, OR insurance distress leads Josephine, OR foreclosure data.