Gilmer County, WV: Home-Insurance Distress & Forced-Sale Pressure
Gilmer County, WV: 32/100 (moderate) home-insurance distress; Gilmer, WV band LOW; Gilmer, WV #1,556 of 3,222 counties; Gilmer, WV #38 of 55 in West Virginia; raw Gilmer, WV 37.9; Gilmer, WV coverage multiplier 0.85.
FEMA hazard, Gilmer, WV: 63/100; Gilmer, WV declarations, three years: 6; Gilmer, WV perils: 3 flood; Gilmer, WV five-year count 4 (severity 7.0); Gilmer, WV ten-year 4; hazard-weighted, Gilmer, WV: 6.0.
Declared incidents on the Gilmer, WV record: 2026 Winter Storm 2; 2024 Flood 2 (Gilmer, WV).
NFIP claims, Gilmer, WV, three years: none; Gilmer, WV claim-stress 0/100.
Gilmer, WV monthly score fell, 30 (March 2026) to 26 (October 2026); Gilmer, WV by month: March 30, April 30, May 30, June 30 (Gilmer, WV), July 27, August 26, September 32, October 26.
Gilmer, WV components: climate 52; Gilmer, WV retreat index 26; Gilmer, WV climate multiplier 0.85.
Construction distress, Gilmer, WV: 92/100 as of August 2026 (Gilmer, WV: 92/100 one-to-four unit, 0/100 multifamily).
Gilmer, WV ZIPs, June 2026 (Gilmer, WV, 16 highest): score 0 (Gilmer, WV), climate 33 (Gilmer, WV): 26412, 26623; score 0 (Gilmer, WV), climate 32 (Gilmer, WV): 26624; score 0 (Gilmer, WV), climate 27 (Gilmer, WV): 26335; score 0 (Gilmer, WV), climate 23 (Gilmer, WV): 26636; score 0 (Gilmer, WV), climate 18 (Gilmer, WV): 26384; score 0 (Gilmer, WV), climate 16 (Gilmer, WV): 26411; score 0 (Gilmer, WV), climate 15 (Gilmer, WV): 26137, 26147, 26351; score 0 (Gilmer, WV), climate 14 (Gilmer, WV): 25267, 26342, 26430, 26443, Gilmer, WV 26611, 26638.
DLRadar rescores Gilmer, WV monthly; Gilmer, WV readings join Gilmer, WV foreclosure, lien and ownership parcels (Gilmer, WV), so cost-squeezed Gilmer, WV owners surface before listing.
Inside West Virginia, Gilmer County ranks 38th of 55 counties for home-insurance distress at 32/100; Clay County (32/100) sits just above Gilmer County, and Pleasants County (32/100) sits just below Gilmer County.
Deterministic. Every Gilmer County, WV signal traces to a public Gilmer dataset (FEMA, NFIP, Census for Gilmer, WV) · how insurance distress works in Gilmer, WV · methodology
FAQ: Gilmer County, WV insurance distress
What is the Gilmer County, WV home-insurance-distress score?
Gilmer, WV: 32/100 (LOW), #1,556 of 3,222, #38 in West Virginia. FEMA hazard, Gilmer, WV: 63/100; NFIP stress, Gilmer, WV: 0/100; construction, Gilmer, WV: 92/100; Gilmer, WV rescores monthly.
Is Gilmer County insurance distress getting better or worse (WV)?
Gilmer, WV: 30 in March 2026; Gilmer, WV: 26 in October 2026 (better); Gilmer, WV climate component 52.
Which Gilmer County ZIP codes carry the most insurance distress (WV)?
Gilmer, WV, June 2026: 26412 at 0, 26623 at 0, 26624 at 0, 26335 at 0; Gilmer, WV climate scores there: 33, 33, 32, 27.
Why does Gilmer, WV insurance distress create sellers?
A Gilmer, WV premium outruns the Gilmer, WV budget; a carrier leaves Gilmer, WV; Gilmer, WV carrying cost passes plan; Gilmer, WV owners sell while current; Gilmer, WV insurance distress leads Gilmer, WV foreclosure data.