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

Potter County, Pennsylvania carries a severe home-insurance-distress reading of 73/100 — ranked #547 nationally, in the upper half of U.S. counties. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

Because Potter County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #547 national rank moves as conditions do.

22 NFIP claims, $582,728 paid in three years is the documented loss history behind coverage cost in Potter County.

With construction distress at 18/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

Put the 64/100 hazard reading next to 86/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

Practically, Potter County's 73/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.

On its own 73/100 is half a picture, so Potter County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.

What lifts Potter County's reading is a FEMA hazard score of 64/100; NFIP flood-claim stress of 86/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.