Virginia Home-Insurance Distress by County

Home-insurance distress across Virginia is below the national average, with an average county insurance-distress score of 29/100 — the 24th-highest of the 52 states and territories DLRadar scores. Every one of Virginia's 133 counties is monitored for coverage pressure — the force that pushes owners to list before any default shows.

For anyone sourcing acquisitions in Virginia, the value of a state-level insurance read is that it points to which counties to open first: a below the national average average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

Tazewell County leads Virginia at 91/100, with Pulaski County close behind. Every Virginia county appears in the ranked table below, each linking to its own report.

Treated properly, Virginia's insurance distress is a lead source: it flags owners whose breaking point is the policy, and the ranked counties below are where to start.

Across Virginia, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

Statewide, the pressure is driven by an average FEMA hazard score of 26/100 and average NFIP flood-claim stress of 38/100 — the exposures carriers price against and increasingly decline to renew, and why Virginia premiums climb faster than incomes.

DLRadar re-scores every Virginia county each month against the latest federal and carrier data, keeping the statewide picture — and each county's place in it — current to the live market.

What Virginia's reading measures is not the premium itself but the forces behind it — physical hazard from FEMA, three years of NFIP claim losses, and carrier behavior — combined into one 0–100 number, which is why two Virginia counties with similar weather can diverge sharply on distress.

Over three years, Virginia counties recorded 529 NFIP flood claims totaling $14,727,229 paid — the loss history insurers convert into higher premiums the next renewal.

21 of Virginia's 133 counties carry a severe insurance-distress score of 70 or higher — where coverage is hardest to keep and carrying cost, not the mortgage, is the sale trigger.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces Virginia's insurance-squeezed sellers ahead of the market.