Raleigh County, WV: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Raleigh County, West Virginia reads elevated (58/100), in the upper half of U.S. counties — #890 nationally. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.
Three years of NFIP activity in Raleigh County comes to 20 claims worth $454,177, and that ledger is what carriers price against.
A elevated level of 58/100 in Raleigh County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
DLRadar does not treat 58/100 as a standalone number — the Raleigh County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
Each month new hazard revisions and claim settlements refresh Raleigh County, keeping its insurance-distress score aligned with the live market.
Hazard 41/100 plus flood-claim stress 84/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Raleigh County.
The pressure here is driven by a FEMA hazard score of 41/100; NFIP flood-claim stress of 84/100 over three years — the exposures carriers price against and increasingly decline to renew.
Because premiums track rebuild cost, a 27/100 construction-distress reading in Raleigh County feeds straight through to what owners are quoted.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. That surfaces the coverage-squeezed owners ahead of the market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Raleigh County insurance distress — FAQ
How bad is home-insurance distress in Raleigh County, West Virginia?
The home-insurance-distress reading for Raleigh County is 58/100 (ranked #890 nationally), a MEDIUM level. FEMA hazard at 41/100, NFIP flood losses at 84/100 and carrier pullback drive it, and it updates every month from public data.
What is Raleigh County three-year flood-claim total?
Over the trailing three years, Raleigh County recorded 20 NFIP flood claims with $454,177 paid out, roughly $22,709 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Raleigh County?
Carriers repricing or withdrawing from Raleigh County push total cost of ownership up without warning. Affected owners frequently sell pre-emptively, which is precisely the window DLRadar is trying to catch.