Richmond County, VA: Home-Insurance Distress & Forced-Sale Pressure
Richmond County, VA: 25/100 (moderate) home-insurance distress; Richmond, VA band LOW; Richmond, VA #1,941 of 3,222 counties; Richmond, VA #49 of 133 in Virginia; raw Richmond, VA 29.5; Richmond, VA coverage multiplier 0.85.
FEMA hazard, Richmond, VA: 0/100; Richmond, VA declarations, three years: 3; Richmond, VA five-year count 2 (severity 4.0); Richmond, VA ten-year 2.
Declared incidents on the Richmond, VA record: 2026 Winter Storm 2 (Richmond, VA).
NFIP claims, Richmond, VA, three years: 3; Richmond, VA payouts $97,943; per Richmond, VA claim $32,648; Richmond, VA claim-stress 74/100.
Richmond, VA monthly score fell, 26 (March 2026) to 25 (October 2026); Richmond, VA by month: March 26, April 26, May 26, June 26 (Richmond, VA), July 26, August 26, September 26, October 25.
Richmond, VA components: NFIP claims 74; Richmond, VA retreat index 25; Richmond, VA climate multiplier 0.85.
Construction distress, Richmond, VA: 50/100 as of August 2026 (Richmond, VA: 13/100 one-to-four unit, 57/100 multifamily).
Richmond, VA ZIPs, June 2026 (Richmond, VA, 16 highest): score 0 (Richmond, VA), climate 85 (Richmond, VA): 23235; score 0 (Richmond, VA), climate 84 (Richmond, VA): 23234; score 0 (Richmond, VA), climate 83 (Richmond, VA): 23223, 23227, 23230; score 0 (Richmond, VA), climate 82 (Richmond, VA): 23222; score 0 (Richmond, VA), climate 81 (Richmond, VA): 23226, 23231; score 0 (Richmond, VA), climate 80 (Richmond, VA): 23225; score 0 (Richmond, VA), climate 79 (Richmond, VA): 23173, 23219, 23220, 23221, Richmond, VA 23224, 23284, 23298.
DLRadar rescores Richmond, VA monthly; Richmond, VA readings join Richmond, VA foreclosure, lien and ownership parcels (Richmond, VA), so cost-squeezed Richmond, VA owners surface before listing.
Inside Virginia, Richmond County ranks 49th of 133 counties for home-insurance distress at 25/100; Gloucester County (26/100) sits just above Richmond County, and Chesapeake County (25/100) sits just below Richmond County.
Deterministic. Every Richmond County, VA signal traces to a public Richmond dataset (FEMA, NFIP, Census for Richmond, VA) · how insurance distress works in Richmond, VA · methodology
FAQ: Richmond County, VA insurance distress
What is the Richmond County, VA home-insurance-distress score?
Richmond, VA: 25/100 (LOW), #1,941 of 3,222, #49 in Virginia. FEMA hazard, Richmond, VA: 0/100; NFIP stress, Richmond, VA: 74/100; construction, Richmond, VA: 50/100; Richmond, VA rescores monthly.
Is Richmond County insurance distress getting better or worse (VA)?
Richmond, VA: 26 in March 2026; Richmond, VA: 25 in October 2026 (better); Richmond, VA NFIP claims score 74.
How many flood-insurance claims has Richmond County, VA had?
Richmond, VA: 3 NFIP claims, three years; Richmond, VA paid $97,943; per Richmond, VA claim $32,648; carriers reprice Richmond, VA against that record.
Which Richmond County ZIP codes carry the most insurance distress (VA)?
Richmond, VA, June 2026: 23235 at 0, 23234 at 0, 23223 at 0, 23227 at 0; Richmond, VA climate scores there: 85, 84, 83, 83.
Why does Richmond, VA insurance distress create sellers?
A Richmond, VA premium outruns the Richmond, VA budget; a carrier leaves Richmond, VA; Richmond, VA carrying cost passes plan; Richmond, VA owners sell while current; Richmond, VA insurance distress leads Richmond, VA foreclosure data.