Prince William County, VA: Home-Insurance Distress & Forced-Sale Pressure

DLRadar grades Prince William County, Virginia at 27/100 for home-insurance distress, a moderate level that places it #1825 of 3,222 counties, in the lower-risk band nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 78/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

The county's three-year flood-loss ledger — 7 claims, $151,721 paid (~$21,674/claim) — is the evidence carriers use to justify higher rates or withdrawal.

Because Prince William County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1825 national rank moves as conditions do.

DLRadar reads Prince William County's 27/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.

Construction distress sits at 19/100, so the replacement cost insurers underwrite against is elevated here.

Physical exposure at 0/100 and claim experience at 78/100 together mark Prince William County as a market where coverage, not the mortgage, forces the sale.

Prince William County's 27/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

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