Klamath County, OR: Home-Insurance Distress & Forced-Sale Pressure
Klamath County, OR: 35/100 (moderate) home-insurance distress; Klamath, OR band LOW; Klamath, OR #1,482 of 3,222 counties; Klamath, OR #27 of 36 in Oregon; raw Klamath, OR 46.9; Klamath, OR coverage multiplier 0.85.
FEMA hazard, Klamath, OR: 68/100; Klamath, OR declarations, three years: 6; Klamath, OR perils: 4 fire; Klamath, OR five-year count 4 (severity 5.0); Klamath, OR ten-year 4; hazard-weighted, Klamath, OR: 12.0.
Declared incidents on the Klamath, OR record: 2026 Fire 2; 2024 Fire 2 (Klamath, OR); 2023 Fire 1 (Klamath, OR).
NFIP claims, Klamath, OR, three years: none; Klamath, OR claim-stress 0/100.
Klamath, OR monthly score rose, 30 (March 2026) to 35 (October 2026); Klamath, OR by month: March 30, April 30, May 30, June 30 (Klamath, OR), July 27, August 36, September 36, October 35.
Klamath, OR components: climate 68; Klamath, OR retreat index 35; Klamath, OR climate multiplier 0.85.
Construction distress, Klamath, OR: 64/100 as of August 2026 (Klamath, OR: 69/100 one-to-four unit, 1/100 multifamily).
Klamath, OR ZIPs, June 2026 (Klamath, OR, 16 highest): score 0 (Klamath, OR), climate 84 (Klamath, OR): 97739; score 0 (Klamath, OR), climate 82 (Klamath, OR): 97731; score 0 (Klamath, OR), climate 76 (Klamath, OR): 97601, 97603, 97604, 97621, Klamath, OR 97622, 97623, 97624, 97625, Klamath, OR 97626, 97627, 97632, 97633, Klamath, OR 97634, 97639.
DLRadar rescores Klamath, OR monthly; Klamath, OR readings join Klamath, OR foreclosure, lien and ownership parcels (Klamath, OR), so cost-squeezed Klamath, OR owners surface before listing.
Inside Oregon, Klamath County ranks 27th of 36 counties for home-insurance distress at 35/100; Gilliam County (35/100) sits just above Klamath County, and Morrow County (35/100) sits just below Klamath County.
Deterministic. Every Klamath County, OR signal traces to a public Klamath dataset (FEMA, NFIP, Census for Klamath, OR) · how insurance distress works in Klamath, OR · methodology
FAQ: Klamath County, OR insurance distress
What is the Klamath County, OR home-insurance-distress score?
Klamath, OR: 35/100 (LOW), #1,482 of 3,222, #27 in Oregon. FEMA hazard, Klamath, OR: 68/100; NFIP stress, Klamath, OR: 0/100; construction, Klamath, OR: 64/100; Klamath, OR rescores monthly.
Is Klamath County insurance distress getting better or worse (OR)?
Klamath, OR: 30 in March 2026; Klamath, OR: 35 in October 2026 (worse); Klamath, OR climate component 68.
Which Klamath County ZIP codes carry the most insurance distress (OR)?
Klamath, OR, June 2026: 97739 at 0, 97731 at 0, 97601 at 0, 97603 at 0; Klamath, OR climate scores there: 84, 82, 76, 76.
Why does Klamath, OR insurance distress create sellers?
A Klamath, OR premium outruns the Klamath, OR budget; a carrier leaves Klamath, OR; Klamath, OR carrying cost passes plan; Klamath, OR owners sell while current; Klamath, OR insurance distress leads Klamath, OR foreclosure data.