Charlottesville County, VA: Home-Insurance Distress & Forced-Sale Pressure
Charlottesville County, VA: 20/100 (low) home-insurance distress; Charlottesville, VA band LOW; Charlottesville, VA #2,328 of 3,222 counties; Charlottesville, VA #82 of 133 in Virginia; raw Charlottesville, VA 23.1; Charlottesville, VA coverage multiplier 0.85.
FEMA hazard, Charlottesville, VA: 0/100; Charlottesville, VA declarations, three years: 3; Charlottesville, VA five-year count 2 (severity 4.0); Charlottesville, VA ten-year 2.
Declared incidents on the Charlottesville, VA record: 2026 Winter Storm 2 (Charlottesville, VA).
NFIP claims, Charlottesville, VA, three years: 2; Charlottesville, VA payouts $10,095; per Charlottesville, VA claim $5,047; Charlottesville, VA claim-stress 58/100.
Charlottesville, VA monthly score fell, 21 (March 2026) to 20 (October 2026); Charlottesville, VA by month: March 21, April 21, May 21, June 21 (Charlottesville, VA), July 21, August 21, September 21, October 20.
Charlottesville, VA components: NFIP claims 58; Charlottesville, VA retreat index 20; Charlottesville, VA climate multiplier 0.85.
Construction distress, Charlottesville, VA: 77/100 as of August 2026 (Charlottesville, VA: 68/100 one-to-four unit, 77/100 multifamily).
Charlottesville, VA ZIPs, June 2026 (Charlottesville, VA, 5 highest): score 0 (Charlottesville, VA), climate 76 (Charlottesville, VA): 22901, 22902, 22903; score 0 (Charlottesville, VA), climate 75 (Charlottesville, VA): 22904; score 0 (Charlottesville, VA), climate 30 (Charlottesville, VA): 22908.
DLRadar rescores Charlottesville, VA monthly; Charlottesville, VA readings join Charlottesville, VA foreclosure, lien and ownership parcels (Charlottesville, VA), so cost-squeezed Charlottesville, VA owners surface before listing.
Inside Virginia, Charlottesville County ranks 82nd of 133 counties for home-insurance distress at 20/100; Hanover County (20/100) sits just above Charlottesville County, and James City County (19/100) sits just below Charlottesville County.
Deterministic. Every Charlottesville County, VA signal traces to a public Charlottesville dataset (FEMA, NFIP, Census for Charlottesville, VA) · how insurance distress works in Charlottesville, VA · methodology
FAQ: Charlottesville County, VA insurance distress
What is the Charlottesville County, VA home-insurance-distress score?
Charlottesville, VA: 20/100 (LOW), #2,328 of 3,222, #82 in Virginia. FEMA hazard, Charlottesville, VA: 0/100; NFIP stress, Charlottesville, VA: 58/100; construction, Charlottesville, VA: 77/100; Charlottesville, VA rescores monthly.
Is Charlottesville County insurance distress getting better or worse (VA)?
Charlottesville, VA: 21 in March 2026; Charlottesville, VA: 20 in October 2026 (better); Charlottesville, VA NFIP claims score 58.
How many flood-insurance claims has Charlottesville County, VA had?
Charlottesville, VA: 2 NFIP claims, three years; Charlottesville, VA paid $10,095; per Charlottesville, VA claim $5,047; carriers reprice Charlottesville, VA against that record.
Which Charlottesville County ZIP codes carry the most insurance distress (VA)?
Charlottesville, VA, June 2026: 22901 at 0, 22902 at 0, 22903 at 0, 22904 at 0; Charlottesville, VA climate scores there: 76, 76, 76, 75.
Why does Charlottesville, VA insurance distress create sellers?
A Charlottesville, VA premium outruns the Charlottesville, VA budget; a carrier leaves Charlottesville, VA; Charlottesville, VA carrying cost passes plan; Charlottesville, VA owners sell while current; Charlottesville, VA insurance distress leads Charlottesville, VA foreclosure data.