Suffolk County, VA: Home-Insurance Distress & Forced-Sale Pressure
Suffolk County, Virginia carries a low home-insurance-distress reading of 22/100 — ranked #2036 nationally, in the lower-risk band nationally. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.
The reading rests on a FEMA hazard score of 0/100; NFIP flood-claim stress of 65/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Suffolk County.
Rebuild-cost inflation compounds it: construction-distress reads 48/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.
Suffolk County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
The 22/100 signal is only useful next to the rest: in Suffolk County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.
A low level of 22/100 in Suffolk County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
The federal flood record here -- 2 claims at roughly $11,504 each -- is the loss experience premiums are built on.
It is the combination -- 0/100 hazard, 65/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Suffolk County insurance distress — FAQ
Is home insurance a problem for owners in Suffolk County, Virginia?
Suffolk County scores 22/100 for home-insurance distress (LOW), ranking #2036 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (0/100), NFIP flood-claim stress (65/100) and carrier pressure, updated monthly from public federal data.
How many federal flood claims has Suffolk County filed?
Suffolk County recorded 2 NFIP flood claims over the trailing three years, with $23,009 paid -- the loss record carriers price against.
Why do premium increases create listings in Suffolk County?
When coverage in Suffolk County becomes unaffordable or unavailable, the maths on holding the property changes. Owners in that position tend to list while still current on the mortgage, so the insurance signal arrives ahead of any foreclosure data.