Cameron County, PA: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Cameron County, Pennsylvania at 33/100 for home-insurance distress, a moderate level that places it #1497 of 3,222 counties, in the upper half of U.S. counties. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
Each month new hazard revisions and claim settlements refresh Cameron County, keeping its insurance-distress score aligned with the live market.
A 64/100 hazard base sitting alongside 0/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
DLRadar does not treat 33/100 as a standalone number — the Cameron County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
A moderate level of 33/100 in Cameron County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
Because premiums track rebuild cost, a 21/100 construction-distress reading in Cameron County feeds straight through to what owners are quoted.
The reading rests on a FEMA hazard score of 64/100; NFIP flood-claim stress of 0/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Cameron County.
0 NFIP claims, $0 paid in three years is the documented loss history behind coverage cost in Cameron County.
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. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Cameron County insurance distress — FAQ
How bad is home-insurance distress in Cameron County, Pennsylvania?
DLRadar puts Cameron County at 33/100 for home-insurance distress, scored the same way as every other U.S. county.
What does the flood-loss record look like in Cameron County?
In the last three years NFIP settled 0 flood claims in Cameron County totaling $0, near $0 per claim. Insurers read that ledger directly into premiums and renewal decisions.
How does carrying cost push Cameron County owners to sell?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Cameron County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.