Cambria County, PA: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Cambria County, Pennsylvania is currently severe — an insurance-distress score of 70/100, in the upper half of U.S. counties at #608 of the 3,222 U.S. counties DLRadar scores. More and more, it is the insurance bill rather than the mortgage that turns a Cambria County owner into a seller.

The reading rests on a FEMA hazard score of 64/100; NFIP flood-claim stress of 77/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Cambria County.

Flood losses tell the story: 7 NFIP claims and $133,747 paid out over three years, averaging $19,107 apiece -- exactly the history that hardens rates.

DLRadar re-scores Cambria County every month against the latest FEMA, NFIP and carrier data, so 70/100 tracks the live market — not a snapshot frozen at some earlier point.

It is the combination -- 64/100 hazard, 77/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

Read as a targeting input, 70/100 puts Cambria County #608 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.

Insurance distress rarely travels by itself, so DLRadar aligns Cambria County's 70/100 with foreclosure, lien and ownership records — separating owners squeezed only by coverage from those under broader strain.

With construction distress at 51/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

DLRadar rebuilds insurance distress nationwide each month and wires Cambria County score into the parcel-level foreclosure and ownership graph. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.