Pennsylvania Home-Insurance Distress by County

Home-insurance distress across Pennsylvania is below the national average, with an average county insurance-distress score of 28/100 — the 24th-highest of the 52 states and territories DLRadar scores. DLRadar tracks all 67 Pennsylvania counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

Statewide, the pressure is driven by an average FEMA hazard score of 12/100 and average NFIP flood-claim stress of 58/100 — the exposures carriers price against and increasingly decline to renew, and why Pennsylvania premiums climb faster than incomes.

Across Pennsylvania, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

For Pennsylvania, the practical value is early identification — coverage-pressured owners surface here before they appear in any foreclosure feed, county by county down the list.

A below the national average statewide reading tells a Pennsylvania buyer the coverage squeeze is present but concentrated — the work is finding the counties carrying it, which the ranked list below does.

Underneath the Pennsylvania headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

NFIP paid $22,399,859 across 812 Pennsylvania flood claims in three years; that ledger is what reprices coverage statewide.

Because Pennsylvania is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #24 national rank and county order move with actual conditions, not a fixed snapshot.

5 of Pennsylvania's 67 counties carry a severe insurance-distress score of 70 or higher — where coverage is hardest to keep and carrying cost, not the mortgage, is the sale trigger.

The sharpest pressure concentrates in Tioga County (75/100, #487 nationally) and Lycoming County. Scroll on for the full Pennsylvania county ranking, every row linking through to its report.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces Pennsylvania's insurance-squeezed sellers ahead of the market.