Sullivan County, PA: Home-Insurance Distress & Forced-Sale Pressure
Sullivan County, Pennsylvania carries a severe home-insurance-distress reading of 70/100 — ranked #589 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.
Construction distress sits at 3/100, so the replacement cost insurers underwrite against is elevated here.
DLRadar does not treat 70/100 as a standalone number — the Sullivan County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
The reading rests on a FEMA hazard score of 65/100; NFIP flood-claim stress of 77/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Sullivan County.
Read together, a 65/100 hazard base and 77/100 flood-claim stress explain why Sullivan County screens as a place where coverage cost, not the loan, is the likely sale trigger.
In practice, Sullivan County's severe insurance-distress level (70/100, #589 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.
NFIP paid $122,274 across 3 Sullivan County flood claims in three years, roughly $40,758 each; that record is what reprices coverage.
The Sullivan County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired 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.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Sullivan County insurance distress — FAQ
Is home insurance a problem for owners in Sullivan County, Pennsylvania?
The current reading for Sullivan County is 70/100, derived deterministically from hazard, claim and carrier data.
What is Sullivan County three-year flood-claim total?
Sullivan County logged 3 NFIP flood claims over three years, $122,274 paid (about $40,758 each) - the kind of realized-loss record that reprices coverage and thins the carrier pool.
Why is insurance distress a leading signal in Sullivan County?
When coverage in Sullivan County becomes unaffordable or unavailable, the maths on holding the property changes. Owners in that position tend to list while still current on the mortgage, so the insurance signal arrives ahead of any foreclosure data.