Spotsylvania County, VA: Home-Insurance Distress & Forced-Sale Pressure
Spotsylvania County, VA: 22/100 (low) home-insurance distress; Spotsylvania, VA band LOW; Spotsylvania, VA #2,055 of 3,222 counties; Spotsylvania, VA #72 of 133 in Virginia; raw Spotsylvania, VA 25.8; Spotsylvania, VA coverage multiplier 0.85.
FEMA hazard, Spotsylvania, VA: 0/100; Spotsylvania, VA declarations, three years: 3; Spotsylvania, VA five-year count 2 (severity 4.0); Spotsylvania, VA ten-year 2.
Declared incidents on the Spotsylvania, VA record: 2026 Winter Storm 2 (Spotsylvania, VA).
NFIP claims, Spotsylvania, VA, three years: 5; Spotsylvania, VA payouts $24,047; per Spotsylvania, VA claim $4,809; Spotsylvania, VA claim-stress 65/100.
Spotsylvania, VA monthly score fell, 23 (March 2026) to 22 (October 2026); Spotsylvania, VA by month: March 23, April 23, May 23, June 23 (Spotsylvania, VA), July 23, August 23, September 23, October 22.
Spotsylvania, VA components: NFIP claims 65; Spotsylvania, VA retreat index 22; Spotsylvania, VA climate multiplier 0.85.
Construction distress, Spotsylvania, VA: 61/100 as of August 2026 (Spotsylvania, VA: 61/100 one-to-four unit, 5/100 multifamily).
Spotsylvania, VA ZIPs, June 2026 (Spotsylvania, VA, 13 highest): score 0 (Spotsylvania, VA), climate 60 (Spotsylvania, VA): 22407, 22534, 22551, 22553; score 0 (Spotsylvania, VA), climate 59 (Spotsylvania, VA): 23015; score 0 (Spotsylvania, VA), climate 54 (Spotsylvania, VA): 22408; score 0 (Spotsylvania, VA), climate 39 (Spotsylvania, VA): 23024; score 0 (Spotsylvania, VA), climate 36 (Spotsylvania, VA): 23117; score 0 (Spotsylvania, VA), climate 35 (Spotsylvania, VA): 22508; score 0 (Spotsylvania, VA), climate 33 (Spotsylvania, VA): 22567; score 0 (Spotsylvania, VA), climate 30 (Spotsylvania, VA): 22960; score 0 (Spotsylvania, VA), climate 28 (Spotsylvania, VA): 22580; score 0 (Spotsylvania, VA), climate 26 (Spotsylvania, VA): 22546.
DLRadar rescores Spotsylvania, VA monthly; Spotsylvania, VA readings join Spotsylvania, VA foreclosure, lien and ownership parcels (Spotsylvania, VA), so cost-squeezed Spotsylvania, VA owners surface before listing.
Inside Virginia, Spotsylvania County ranks 64th of 133 counties for home-insurance distress at 22/100; Fauquier County (22/100) sits just above Spotsylvania County, and Warren County (22/100) sits just below Spotsylvania County.
Deterministic. Every Spotsylvania County, VA signal traces to a public Spotsylvania dataset (FEMA, NFIP, Census for Spotsylvania, VA) · how insurance distress works in Spotsylvania, VA · methodology
FAQ: Spotsylvania County, VA insurance distress
What is the Spotsylvania County, VA home-insurance-distress score?
Spotsylvania, VA: 22/100 (LOW), #2,055 of 3,222, #72 in Virginia. FEMA hazard, Spotsylvania, VA: 0/100; NFIP stress, Spotsylvania, VA: 65/100; construction, Spotsylvania, VA: 61/100; Spotsylvania, VA rescores monthly.
Is Spotsylvania County insurance distress getting better or worse (VA)?
Spotsylvania, VA: 23 in March 2026; Spotsylvania, VA: 22 in October 2026 (better); Spotsylvania, VA NFIP claims score 65.
How many flood-insurance claims has Spotsylvania County, VA had?
Spotsylvania, VA: 5 NFIP claims, three years; Spotsylvania, VA paid $24,047; per Spotsylvania, VA claim $4,809; carriers reprice Spotsylvania, VA against that record.
Which Spotsylvania County ZIP codes carry the most insurance distress (VA)?
Spotsylvania, VA, June 2026: 22407 at 0, 22534 at 0, 22551 at 0, 22553 at 0; Spotsylvania, VA climate scores there: 60, 60, 60, 60.
Why does Spotsylvania, VA insurance distress create sellers?
A Spotsylvania, VA premium outruns the Spotsylvania, VA budget; a carrier leaves Spotsylvania, VA; Spotsylvania, VA carrying cost passes plan; Spotsylvania, VA owners sell while current; Spotsylvania, VA insurance distress leads Spotsylvania, VA foreclosure data.