Cambria County, PA: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Cambria County, Pennsylvania is currently severe — an insurance-distress score of 71/100, in the upper half of U.S. counties at #580 of the 3,222 U.S. counties DLRadar scores. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
Behind the score sit a FEMA hazard score of 66/100; NFIP flood-claim stress of 77/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
NFIP paid $133,747 across 7 Cambria County flood claims in three years, roughly $19,107 each; that record is what reprices coverage.
Because Cambria County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #580 national rank moves as conditions do.
The gap between physical hazard (66/100) and realized flood losses (77/100) is what DLRadar watches to flag insurance-driven sellers in Cambria County.
What a severe score means on the ground in Cambria County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.
DLRadar does not treat that as a standalone number — the Cambria County insurance read is cross-referenced against the county's foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
With construction distress at 55/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Cambria County insurance distress — FAQ
How bad is home-insurance distress in Cambria County, Pennsylvania?
Cambria County scores 71/100 for home-insurance distress (MEDIUM), ranking #580 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (66/100), NFIP flood-claim stress (77/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Cambria County had?
Over the trailing three years, Cambria County recorded 7 NFIP flood claims with $133,747 paid out, roughly $19,107 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Cambria County?
When premiums in Cambria County rise faster than owners budgeted — or carriers stop writing policies altogether — the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.