Erie County, PA: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Erie County, Pennsylvania reads low (19/100), in the lower-risk band nationally — #2326 nationally. More and more, it is the insurance bill rather than the mortgage that turns a Erie County owner into a seller.
Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 57/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
A 86/100 construction-distress score means repair and replacement economics are working against affordability of coverage.
Physical exposure at 0/100 and claim experience at 57/100 together mark Erie County as a market where coverage, not the mortgage, forces the sale.
A #2326 national standing means little alone; DLRadar pairs Erie County's coverage stress with default and ownership data before calling a parcel distressed.
A low level of 19/100 in Erie County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
Erie County's 19/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #2326 position shifts between updates.
The county's three-year flood-loss ledger — 1 claims, $5,823 paid (~$5,823/claim) — is the evidence carriers use to justify higher rates or withdrawal.
The nationwide monthly build covers all 3,222 counties and connects Erie County reading to real foreclosure, tax-lien and ownership records. 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
Erie County insurance distress — FAQ
What is the home-insurance-distress score for Erie County, Pennsylvania?
Erie County scores 19/100 for home-insurance distress (LOW), ranking #2326 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (0/100), NFIP flood-claim stress (57/100) and carrier pressure, updated monthly from public federal data.
What does the flood-loss record look like in Erie County?
1 flood claims totalling $5,823 were filed in Erie County over the last three years.
Why do premium increases create listings in Erie County?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Erie County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.