James City County, VA: Home-Insurance Distress & Forced-Sale Pressure
James City County, VA: 19/100 (low) home-insurance distress; James City, VA band LOW; James City, VA #2,341 of 3,222 counties; James City, VA #83 of 133 in Virginia; raw James City, VA 22.7; James City, VA coverage multiplier 0.85.
FEMA hazard, James City, VA: 0/100; James City, VA declarations, three years: 3; James City, VA five-year count 2 (severity 4.0); James City, VA ten-year 2.
Declared incidents on the James City, VA record: 2026 Winter Storm 2 (James City, VA).
NFIP claims, James City, VA, three years: 2; James City, VA payouts $7,124; per James City, VA claim $3,562; James City, VA claim-stress 57/100.
James City, VA monthly score fell, 21 (March 2026) to 19 (October 2026); James City, VA by month: March 21, April 21, May 20, June 20 (James City, VA), July 20, August 20, September 20, October 19.
James City, VA components: NFIP claims 57; James City, VA retreat index 19; James City, VA climate multiplier 0.85.
Construction distress, James City, VA: 55/100 as of August 2026 (James City, VA: 48/100 one-to-four unit, 100/100 multifamily).
James City, VA ZIPs, June 2026 (James City, VA, 5 highest): score 0 (James City, VA), climate 59 (James City, VA): 23081, 23168; score 0 (James City, VA), climate 57 (James City, VA): 23188; score 0 (James City, VA), climate 52 (James City, VA): 23185; score 0 (James City, VA), climate 24 (James City, VA): 23089.
DLRadar rescores James City, VA monthly; James City, VA readings join James City, VA foreclosure, lien and ownership parcels (James City, VA), so cost-squeezed James City, VA owners surface before listing.
Inside Virginia, James City County ranks 83rd of 133 counties for home-insurance distress at 19/100; Charlottesville County (20/100) sits just above James City County, and Alleghany County (19/100) sits just below James City County.
Deterministic. Every James City County, VA signal traces to a public James City dataset (FEMA, NFIP, Census for James City, VA) · how insurance distress works in James City, VA · methodology
FAQ: James City County, VA insurance distress
What is the James City County, VA home-insurance-distress score?
James City, VA: 19/100 (LOW), #2,341 of 3,222, #83 in Virginia. FEMA hazard, James City, VA: 0/100; NFIP stress, James City, VA: 57/100; construction, James City, VA: 55/100; James City, VA rescores monthly.
Is James City County insurance distress getting better or worse (VA)?
James City, VA: 21 in March 2026; James City, VA: 19 in October 2026 (better); James City, VA NFIP claims score 57.
How many flood-insurance claims has James City County, VA had?
James City, VA: 2 NFIP claims, three years; James City, VA paid $7,124; per James City, VA claim $3,562; carriers reprice James City, VA against that record.
Which James City County ZIP codes carry the most insurance distress (VA)?
James City, VA, June 2026: 23081 at 0, 23168 at 0, 23188 at 0, 23185 at 0; James City, VA climate scores there: 59, 59, 57, 52.
Why does James City, VA insurance distress create sellers?
A James City, VA premium outruns the James City, VA budget; a carrier leaves James City, VA; James City, VA carrying cost passes plan; James City, VA owners sell while current; James City, VA insurance distress leads James City, VA foreclosure data.