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

Windham County, Vermont carries a elevated home-insurance-distress reading of 52/100 — ranked #996 nationally, in the upper half of U.S. counties. More and more, it is the insurance bill rather than the mortgage that turns a Windham County owner into a seller.

Flood losses tell the story: 3 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.

What 52/100 means on the ground in Windham County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.

Windham County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.

Construction distress sits at 68/100, so the replacement cost insurers underwrite against is elevated here.

The gap between physical hazard (71/100) and realized flood losses (22/100) is what DLRadar watches to flag insurance-driven sellers in Windham County.

Behind the score sit a FEMA hazard score of 71/100; NFIP flood-claim stress of 22/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

Because coverage pressure seldom acts alone, Windham County's 52/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. That is how coverage-pressured owners surface before they reach the open market.