Washington County, RI: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Washington County, Rhode Island at 64/100 for home-insurance distress, an elevated level that places it #738 of 3,222 counties, in the upper half of U.S. counties. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.
Over the trailing three years, Washington County recorded 39 NFIP flood claims totaling $692,928 paid (about $17,767 per claim) — the loss history that pushes premiums up and coverage out.
What lifts Washington County's reading is a FEMA hazard score of 51/100; NFIP flood-claim stress of 85/100 over three years; these are exactly the risks that widen premiums and thin the carrier pool.
Physical exposure at 51/100 and claim experience at 85/100 together mark Washington County as a market where coverage, not the mortgage, forces the sale.
On its own 64/100 is half a picture, so Washington County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
Read as a targeting input, 64/100 puts Washington County #738 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
DLRadar re-scores Washington County every month against the latest FEMA, NFIP and carrier data, so 64/100 tracks the live market — not a snapshot frozen at some earlier point.
Replacement economics add to the squeeze — a 61/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Washington 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.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Washington County insurance distress — FAQ
What is the home-insurance-distress score for Washington County, Rhode Island?
The current reading for Washington County is 64/100, derived deterministically from hazard, claim and carrier data.
How much has NFIP paid out in Washington County?
Over the trailing three years, Washington County recorded 39 NFIP flood claims with $692,928 paid out, roughly $17,767 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
How does insurance cost turn into seller supply in Washington County?
The sequence in Washington County runs premium shock, budget breach, listing -- usually with the loan still performing. That ordering is why insurance distress is treated as an upstream indicator of supply.