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

Insurance distress in Lamoille County, Vermont reads severe (85/100), in the top tier nationally — #225 nationally. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.

Lamoille County's 85/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

A 29/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

On its own 85/100 is half a picture, so Lamoille County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.

Each month new hazard revisions and claim settlements refresh Lamoille County, keeping its insurance-distress score aligned with the live market.

Underwriters read this county through flood first -- it is the recurring driver in the declaration history.

Physical exposure at 91/100 and claim experience at 77/100 together mark Lamoille County as a market where coverage, not the mortgage, forces the sale.

Over the trailing three years, Lamoille County recorded 24 NFIP flood claims totaling $136,318 paid (about $5,680 per claim) — the loss history that pushes premiums up and coverage out.

Driving it: a FEMA hazard score of 91/100; NFIP flood-claim stress of 77/100 over three years; 1 flood federal disaster declaration in three years, all of which push carriers toward higher rates or non-renewal.

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. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.