Randolph County, WV: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Randolph County, West Virginia reads moderate (28/100), in the lower-risk band nationally — #1609 nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
A 24/100 construction-distress score means repair and replacement economics are working against affordability of coverage.
DLRadar reads Randolph County's 28/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.
Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 83/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
What 28/100 means on the ground in Randolph 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.
Hazard exposure of 0/100 alongside 83/100 in flood-claim stress is the combination that turns Randolph County owners into insurance-motivated sellers.
Over the trailing three years, Randolph County recorded 20 NFIP flood claims totaling $412,090 paid (about $20,605 per claim) — the loss history that pushes premiums up and coverage out.
Randolph County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
DLRadar rebuilds insurance distress nationwide each month and wires Randolph County score into the parcel-level foreclosure and ownership graph. The point is reaching those owners while carrying cost is still the problem, not after the filing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Randolph County insurance distress — FAQ
How severe is home-insurance pressure in Randolph County, West Virginia?
DLRadar grades Randolph County at 28/100 - LOW, #1609 of 3,222 U.S. counties. It combines FEMA hazard (0/100), three-year NFIP flood-claim stress (83/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What is Randolph County three-year flood-claim total?
20 flood claims totalling $412,090 were filed in Randolph County over the last three years.
How does carrying cost push Randolph County owners to sell?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Randolph County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.