Cumberland County, VA: Home-Insurance Distress & Forced-Sale Pressure
Cumberland County, VA: 21/100 (low) home-insurance distress; Cumberland, VA band LOW; Cumberland, VA #2,275 of 3,222 counties; Cumberland, VA #71 of 133 in Virginia; raw Cumberland, VA 24.3; Cumberland, VA coverage multiplier 0.85.
FEMA hazard, Cumberland, VA: 40/100; Cumberland, VA declarations, three years: 4; Cumberland, VA perils: 2 severe-storm; Cumberland, VA five-year count 4 (severity 8.0); Cumberland, VA ten-year 4; hazard-weighted, Cumberland, VA: 2.0.
Declared incidents on the Cumberland, VA record: 2026 Winter Storm 2; 2025 Severe Storm 2 (Cumberland, VA).
NFIP claims, Cumberland, VA, three years: none; Cumberland, VA claim-stress 0/100.
Cumberland, VA monthly score fell, 24 (March 2026) to 20 (October 2026); Cumberland, VA by month: March 24, April 24, May 24, June 24 (Cumberland, VA), July 23, August 21, September 25, October 20.
Cumberland, VA components: climate 40; Cumberland, VA retreat index 20; Cumberland, VA climate multiplier 0.85.
Construction distress, Cumberland, VA: 35/100 as of August 2026 (Cumberland, VA: 35/100 one-to-four unit, 0/100 multifamily).
Cumberland, VA ZIPs, June 2026 (Cumberland, VA, 7 highest): score 0 (Cumberland, VA), climate 27 (Cumberland, VA): 23139; score 0 (Cumberland, VA), climate 21 (Cumberland, VA): 23901; score 0 (Cumberland, VA), climate 18 (Cumberland, VA): 23038; score 0 (Cumberland, VA), climate 17 (Cumberland, VA): 23027, 23040; score 0 (Cumberland, VA), climate 16 (Cumberland, VA): 23123, 23936.
DLRadar rescores Cumberland, VA monthly; Cumberland, VA readings join Cumberland, VA foreclosure, lien and ownership parcels (Cumberland, VA), so cost-squeezed Cumberland, VA owners surface before listing.
Inside Virginia, Cumberland County ranks 71st of 133 counties for home-insurance distress at 21/100; Amelia County (21/100) sits just above Cumberland County, and Franklin County (21/100) sits just below Cumberland County.
Deterministic. Every Cumberland County, VA signal traces to a public Cumberland dataset (FEMA, NFIP, Census for Cumberland, VA) · how insurance distress works in Cumberland, VA · methodology
FAQ: Cumberland County, VA insurance distress
What is the Cumberland County, VA home-insurance-distress score?
Cumberland, VA: 21/100 (LOW), #2,275 of 3,222, #71 in Virginia. FEMA hazard, Cumberland, VA: 40/100; NFIP stress, Cumberland, VA: 0/100; construction, Cumberland, VA: 35/100; Cumberland, VA rescores monthly.
Is Cumberland County insurance distress getting better or worse (VA)?
Cumberland, VA: 24 in March 2026; Cumberland, VA: 20 in October 2026 (better); Cumberland, VA climate component 40.
Which Cumberland County ZIP codes carry the most insurance distress (VA)?
Cumberland, VA, June 2026: 23139 at 0, 23901 at 0, 23038 at 0, 23027 at 0; Cumberland, VA climate scores there: 27, 21, 18, 17.
Why does Cumberland, VA insurance distress create sellers?
A Cumberland, VA premium outruns the Cumberland, VA budget; a carrier leaves Cumberland, VA; Cumberland, VA carrying cost passes plan; Cumberland, VA owners sell while current; Cumberland, VA insurance distress leads Cumberland, VA foreclosure data.