Essex County, VT: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Essex County, Vermont is currently elevated — an insurance-distress score of 46/100, in the upper half of U.S. counties at #1111 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

A #1111 national standing means little alone; DLRadar pairs Essex County's coverage stress with default and ownership data before calling a parcel distressed.

Over the trailing three years, Essex County recorded 0 NFIP flood claims totaling $0 paid (about $0 per claim) — the loss history that pushes premiums up and coverage out.

A 81/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

Essex County's 46/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

The Essex County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 46/100 reading reflects the current renewal environment rather than a historical average.

It is the combination -- 91/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

The county risk profile leans heavily on flood, the hazard behind most of its recent federal declarations.

Behind the score sit a FEMA hazard score of 91/100; NFIP flood-claim stress of 0/100 over three years; 1 flood federal disaster declaration in three years, each a factor insurers weigh when they raise rates or exit a market.

The nationwide monthly build covers all 3,222 counties and connects Essex County reading to real foreclosure, tax-lien and ownership records. The point is reaching those owners while carrying cost is still the problem, not after the filing.