Union County, OR: Home-Insurance Distress & Forced-Sale Pressure
Union County, OR: 30/100 (moderate) home-insurance distress; Union, OR band LOW; Union, OR #1,641 of 3,222 counties; Union, OR #29 of 36 in Oregon; raw Union, OR 35.1; Union, OR coverage multiplier 0.85.
FEMA hazard, Union, OR: 59/100; Union, OR declarations, three years: 4; Union, OR perils: 2 fire, 2 severe-storm; hazard-weighted, Union, OR: 6.0.
Declared incidents on the Union, OR record: 2026 Severe Storm 3; 2026 Fire 3 (Union, OR).
NFIP claims, Union, OR, three years: none; Union, OR claim-stress 0/100.
Union, OR monthly score rose, 0 (March 2026) to 36 (October 2026); Union, OR by month: March 0, April 0, May 24, June 24 (Union, OR), July 23, August 33, September 32, October 36.
Union, OR components: climate 71; Union, OR retreat index 36; Union, OR climate multiplier 0.85.
Construction distress, Union, OR: 29/100 as of August 2026 (Union, OR: 29/100 one-to-four unit, 0/100 multifamily).
Union, OR ZIPs, June 2026 (Union, OR, 8 highest): score 0 (Union, OR), climate 45 (Union, OR): 97814; score 0 (Union, OR), climate 44 (Union, OR): 97824, 97827, 97841, 97850, Union, OR 97867, 97876, 97883.
DLRadar rescores Union, OR monthly; Union, OR readings join Union, OR foreclosure, lien and ownership parcels (Union, OR), so cost-squeezed Union, OR owners surface before listing.
Inside Oregon, Union County ranks 29th of 36 counties for home-insurance distress at 30/100; Morrow County (35/100) sits just above Union County, and Hood River County (26/100) sits just below Union County.
Deterministic. Every Union County, OR signal traces to a public Union dataset (FEMA, NFIP, Census for Union, OR) · how insurance distress works in Union, OR · methodology
FAQ: Union County, OR insurance distress
What is the Union County, OR home-insurance-distress score?
Union, OR: 30/100 (LOW), #1,641 of 3,222, #29 in Oregon. FEMA hazard, Union, OR: 59/100; NFIP stress, Union, OR: 0/100; construction, Union, OR: 29/100; Union, OR rescores monthly.
Is Union County insurance distress getting better or worse (OR)?
Union, OR: 0 in March 2026; Union, OR: 36 in October 2026 (worse); Union, OR climate component 71.
Which Union County ZIP codes carry the most insurance distress (OR)?
Union, OR, June 2026: 97814 at 0, 97824 at 0, 97827 at 0, 97841 at 0; Union, OR climate scores there: 45, 44, 44, 44.
Why does Union, OR insurance distress create sellers?
A Union, OR premium outruns the Union, OR budget; a carrier leaves Union, OR; Union, OR carrying cost passes plan; Union, OR owners sell while current; Union, OR insurance distress leads Union, OR foreclosure data.