Lincoln County, WV: Home-Insurance Distress & Forced-Sale Pressure
Lincoln County, WV: 75/100 (severe) home-insurance distress; Lincoln, WV band MEDIUM; Lincoln, WV #504 of 3,222 counties; Lincoln, WV #9 of 55 in West Virginia.
FEMA hazard, Lincoln, WV: 78/100; Lincoln, WV declarations, three years: 12; Lincoln, WV perils: 3 flood, 6 severe-storm; Lincoln, WV five-year count 8 (severity 14.0); Lincoln, WV ten-year 8; hazard-weighted, Lincoln, WV: 12.0.
Declared incidents on the Lincoln, WV record: 2026 Winter Storm 2; 2025 Severe Storm 2 (Lincoln, WV); 2024 Severe Storm 2; 2024 Flood 2 (Lincoln, WV).
NFIP claims, Lincoln, WV, three years: 3; Lincoln, WV payouts $66,377; per Lincoln, WV claim $22,126; Lincoln, WV claim-stress 70/100.
Lincoln, WV monthly score fell, 74 (March 2026) to 69 (October 2026); Lincoln, WV by month: March 74, April 74, May 76, June 76 (Lincoln, WV), July 74, August 73, September 78, October 69.
Lincoln, WV components: climate 68, NFIP claims 70; Lincoln, WV retreat index 69.
Construction distress, Lincoln, WV: 42/100 as of August 2026 (Lincoln, WV: 45/100 one-to-four unit, 0/100 multifamily).
Lincoln, WV ZIPs, June 2026 (Lincoln, WV, 16 highest): score 0 (Lincoln, WV), climate 83 (Lincoln, WV): 25003; score 0 (Lincoln, WV), climate 76 (Lincoln, WV): 25202; score 0 (Lincoln, WV), climate 75 (Lincoln, WV): 25526; score 0 (Lincoln, WV), climate 74 (Lincoln, WV): 25510; score 0 (Lincoln, WV), climate 71 (Lincoln, WV): 25699; score 0 (Lincoln, WV), climate 64 (Lincoln, WV): 25505; score 0 (Lincoln, WV), climate 63 (Lincoln, WV): 25529; score 0 (Lincoln, WV), climate 61 (Lincoln, WV): 25524; score 0 (Lincoln, WV), climate 60 (Lincoln, WV): 25506; score 0 (Lincoln, WV), climate 59 (Lincoln, WV): 25565; score 0 (Lincoln, WV), climate 58 (Lincoln, WV): 25523; score 0 (Lincoln, WV), climate 56 (Lincoln, WV): 25501, 25521, 25540, 25544, Lincoln, WV 25557.
DLRadar rescores Lincoln, WV monthly; Lincoln, WV readings join Lincoln, WV foreclosure, lien and ownership parcels (Lincoln, WV), so cost-squeezed Lincoln, WV owners surface before listing.
Inside West Virginia, Lincoln County ranks 9th of 55 counties for home-insurance distress at 75/100; Brooke County (76/100) sits just above Lincoln County, and Harrison County (74/100) sits just below Lincoln County.
Deterministic. Every Lincoln County, WV signal traces to a public Lincoln dataset (FEMA, NFIP, Census for Lincoln, WV) · how insurance distress works in Lincoln, WV · methodology
FAQ: Lincoln County, WV insurance distress
What is the Lincoln County, WV home-insurance-distress score?
Lincoln, WV: 75/100 (MEDIUM), #504 of 3,222, #9 in West Virginia. FEMA hazard, Lincoln, WV: 78/100; NFIP stress, Lincoln, WV: 70/100; construction, Lincoln, WV: 42/100; Lincoln, WV rescores monthly.
Is Lincoln County insurance distress getting better or worse (WV)?
Lincoln, WV: 74 in March 2026; Lincoln, WV: 69 in October 2026 (better); Lincoln, WV climate component 68; Lincoln, WV NFIP claims score 70.
How many flood-insurance claims has Lincoln County, WV had?
Lincoln, WV: 3 NFIP claims, three years; Lincoln, WV paid $66,377; per Lincoln, WV claim $22,126; carriers reprice Lincoln, WV against that record.
Which Lincoln County ZIP codes carry the most insurance distress (WV)?
Lincoln, WV, June 2026: 25003 at 0, 25202 at 0, 25526 at 0, 25510 at 0; Lincoln, WV climate scores there: 83, 76, 75, 74.
Why does Lincoln, WV insurance distress create sellers?
A Lincoln, WV premium outruns the Lincoln, WV budget; a carrier leaves Lincoln, WV; Lincoln, WV carrying cost passes plan; Lincoln, WV owners sell while current; Lincoln, WV insurance distress leads Lincoln, WV foreclosure data.