Luzerne County, PA: Home-Insurance Distress & Forced-Sale Pressure
Luzerne County, PA: 30/100 (moderate) home-insurance distress; Luzerne, PA band LOW; Luzerne, PA #1,609 of 3,222 counties; Luzerne, PA #19 of 67 in Pennsylvania; raw Luzerne, PA 35.4; Luzerne, PA coverage multiplier 0.85.
FEMA hazard, Luzerne, PA: 0/100; Luzerne, PA declarations, three years: none.
NFIP claims, Luzerne, PA, three years: 8; Luzerne, PA payouts $685,225; per Luzerne, PA claim $85,653; Luzerne, PA claim-stress 88/100.
Luzerne, PA monthly score rose, 29 (March 2026) to 30 (October 2026); Luzerne, PA by month: March 29, April 29, May 29, June 29 (Luzerne, PA), July 29, August 29, September 29, October 30.
Luzerne, PA components: NFIP claims 88; Luzerne, PA retreat index 30; Luzerne, PA climate multiplier 0.85.
Construction distress, Luzerne, PA: 48/100 as of August 2026 (Luzerne, PA: 56/100 one-to-four unit, 0/100 multifamily).
Luzerne, PA ZIPs, June 2026 (Luzerne, PA, 16 highest): score 0 (Luzerne, PA), climate 91 (Luzerne, PA): 18219, 18221, 18222, 18223, Luzerne, PA 18224, 18225, 18234, 18239, Luzerne, PA 18246, 18249, 18256, 18602, Luzerne, PA 18617, 18621, 18622, 18627.
DLRadar rescores Luzerne, PA monthly; Luzerne, PA readings join Luzerne, PA foreclosure, lien and ownership parcels (Luzerne, PA), so cost-squeezed Luzerne, PA owners surface before listing.
Inside Pennsylvania, Luzerne County ranks 19th of 67 counties for home-insurance distress at 30/100; Lancaster County (30/100) sits just above Luzerne County, and Beaver County (30/100) sits just below Luzerne County.
Deterministic. Every Luzerne County, PA signal traces to a public Luzerne dataset (FEMA, NFIP, Census for Luzerne, PA) · how insurance distress works in Luzerne, PA · methodology
FAQ: Luzerne County, PA insurance distress
What is the Luzerne County, PA home-insurance-distress score?
Luzerne, PA: 30/100 (LOW), #1,609 of 3,222, #19 in Pennsylvania. FEMA hazard, Luzerne, PA: 0/100; NFIP stress, Luzerne, PA: 88/100; construction, Luzerne, PA: 48/100; Luzerne, PA rescores monthly.
Is Luzerne County insurance distress getting better or worse (PA)?
Luzerne, PA: 29 in March 2026; Luzerne, PA: 30 in October 2026 (worse); Luzerne, PA NFIP claims score 88.
How many flood-insurance claims has Luzerne County, PA had?
Luzerne, PA: 8 NFIP claims, three years; Luzerne, PA paid $685,225; per Luzerne, PA claim $85,653; carriers reprice Luzerne, PA against that record.
Which Luzerne County ZIP codes carry the most insurance distress (PA)?
Luzerne, PA, June 2026: 18219 at 0, 18221 at 0, 18222 at 0, 18223 at 0; Luzerne, PA climate scores there: 91, 91, 91, 91.
Why does Luzerne, PA insurance distress create sellers?
A Luzerne, PA premium outruns the Luzerne, PA budget; a carrier leaves Luzerne, PA; Luzerne, PA carrying cost passes plan; Luzerne, PA owners sell while current; Luzerne, PA insurance distress leads Luzerne, PA foreclosure data.