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

DLRadar grades Lycoming County, Pennsylvania at 74/100 for home-insurance distress, a severe level that places it #521 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.

The federal flood record here -- 54 claims at roughly $23,819 each -- is the loss experience premiums are built on.

With construction distress at 29/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

The gap between physical hazard (64/100) and realized flood losses (88/100) is what DLRadar watches to flag insurance-driven sellers in Lycoming County.

Because Lycoming County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #521 national rank moves as conditions do.

DLRadar reads Lycoming County's 74/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.

The reading rests on a FEMA hazard score of 64/100; NFIP flood-claim stress of 88/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Lycoming County.

Read as a targeting input, 74/100 puts Lycoming County #521 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Lycoming County's score to on-the-ground foreclosure and ownership data. So you can reach the owners whose trigger is carrying cost — before they list.