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

Clearfield County, Pennsylvania carries a elevated home-insurance-distress reading of 68/100 — ranked #631 nationally, in the upper half of U.S. counties. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.

Hazard exposure of 64/100 alongside 74/100 in flood-claim stress is the combination that turns Clearfield County owners into insurance-motivated sellers.

Behind the score sit a FEMA hazard score of 64/100; NFIP flood-claim stress of 74/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

Clearfield County's 68/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

The 68/100 signal is only useful next to the rest: in Clearfield County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.

The Clearfield County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 68/100 reading reflects the current renewal environment rather than a historical average.

Insurers set premiums from replacement cost, and at 90/100 that input is running hot in Clearfield County.

The county's three-year flood-loss ledger — 8 claims, $92,183 paid (~$11,523/claim) — is the evidence carriers use to justify higher rates or withdrawal.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Clearfield County's score to on-the-ground foreclosure and ownership data. That is how coverage-pressured owners surface before they reach the open market.