Pennsylvania Home-Insurance Distress by County

Pennsylvania reads below the national norm for home-insurance distress — 67 counties averaging 29/100, 23rd of 52 states.

11 of Pennsylvania's 67 counties score 70 or higher (severe).

Pennsylvania's reading rests on a FEMA hazard average of 14/100 and NFIP flood-claim stress of 60/100.

Over three years Pennsylvania counties filed 969 NFIP flood claims, $24,035,633 paid.

Highest in Pennsylvania: Tioga County 80/100 (#366 US), Lycoming County 78/100 (#423 US), Potter County 77/100 (#451 US), Indiana County 76/100 (#480 US), Union County 74/100 (#520 US).

Pennsylvania counties by insurance band: 45 low (Pennsylvania), 12 medium, 10 zero; Pennsylvania NFIP claims, three years: 969; Pennsylvania payouts $24.0 million.

Pennsylvania counties with the most NFIP claims: Allegheny 129 ($3.6 million); Washington 107 ($4.5 million); Westmoreland 91 ($1.7 million) in Pennsylvania; Lycoming 61 ($1.3 million); Butler 44 ($1.5 million).

Pennsylvania county average fell: 29.1 in March 2026; Pennsylvania reads 27.9 in October 2026; Pennsylvania by month: March 29.1, April 29.1, May 28.7 (Pennsylvania), June 28.7, July 28.2, August 28.2 (Pennsylvania), September 28.0, October 27.9.

Highest Pennsylvania ZIPs, insurance distress: 33955 81 (climate 94), 33976 47 (climate 99) in Pennsylvania, 33972 47 (climate 99), 33971 47 (climate 99) in Pennsylvania, 33905 47 (climate 99), 33907 47 (climate 99) in Pennsylvania.

Reading the Pennsylvania bands: 0 of 67 Pennsylvania counties sit in a high or worse insurance band; Pennsylvania filed 969 NFIP claims in three years, $24.0 million paid to Pennsylvania policyholders; a Pennsylvania county's band moves when FEMA hazard revisions, new Pennsylvania NFIP settlements or carrier filings change its monthly score.