Amelia County, VA: Home-Insurance Distress & Forced-Sale Pressure
Amelia County, VA: 21/100 (low) home-insurance distress; Amelia, VA band LOW; Amelia, VA #2,274 of 3,222 counties; Amelia, VA #70 of 133 in Virginia; raw Amelia, VA 24.3; Amelia, VA coverage multiplier 0.85.
FEMA hazard, Amelia, VA: 40/100; Amelia, VA declarations, three years: 4; Amelia, VA perils: 2 severe-storm; Amelia, VA five-year count 4 (severity 8.0); Amelia, VA ten-year 4; hazard-weighted, Amelia, VA: 2.0.
Declared incidents on the Amelia, VA record: 2026 Winter Storm 2; 2025 Severe Storm 2 (Amelia, VA).
NFIP claims, Amelia, VA, three years: none; Amelia, VA claim-stress 0/100.
Amelia, VA monthly score fell, 24 (March 2026) to 20 (October 2026); Amelia, VA by month: March 24, April 24, May 24, June 24 (Amelia, VA), July 23, August 21, September 25, October 20.
Amelia, VA components: climate 40; Amelia, VA retreat index 20; Amelia, VA climate multiplier 0.85.
Construction distress, Amelia, VA: 9/100 as of August 2026 (Amelia, VA: 9/100 one-to-four unit, 80/100 multifamily).
Amelia, VA ZIPs, June 2026 (Amelia, VA, 5 highest): score 0 (Amelia, VA), climate 25 (Amelia, VA): 23966; score 0 (Amelia, VA), climate 19 (Amelia, VA): 23833, 23850; score 0 (Amelia, VA), climate 13 (Amelia, VA): 23002, 23083.
DLRadar rescores Amelia, VA monthly; Amelia, VA readings join Amelia, VA foreclosure, lien and ownership parcels (Amelia, VA), so cost-squeezed Amelia, VA owners surface before listing.
Inside Virginia, Amelia County ranks 70th of 133 counties for home-insurance distress at 21/100; Waynesboro County (21/100) sits just above Amelia County, and Cumberland County (21/100) sits just below Amelia County.
Deterministic. Every Amelia County, VA signal traces to a public Amelia dataset (FEMA, NFIP, Census for Amelia, VA) · how insurance distress works in Amelia, VA · methodology
FAQ: Amelia County, VA insurance distress
What is the Amelia County, VA home-insurance-distress score?
Amelia, VA: 21/100 (LOW), #2,274 of 3,222, #70 in Virginia. FEMA hazard, Amelia, VA: 40/100; NFIP stress, Amelia, VA: 0/100; construction, Amelia, VA: 9/100; Amelia, VA rescores monthly.
Is Amelia County insurance distress getting better or worse (VA)?
Amelia, VA: 24 in March 2026; Amelia, VA: 20 in October 2026 (better); Amelia, VA climate component 40.
Which Amelia County ZIP codes carry the most insurance distress (VA)?
Amelia, VA, June 2026: 23966 at 0, 23833 at 0, 23850 at 0, 23002 at 0; Amelia, VA climate scores there: 25, 19, 19, 13.
Why does Amelia, VA insurance distress create sellers?
A Amelia, VA premium outruns the Amelia, VA budget; a carrier leaves Amelia, VA; Amelia, VA carrying cost passes plan; Amelia, VA owners sell while current; Amelia, VA insurance distress leads Amelia, VA foreclosure data.