Derby Eviction Risk: Moderate

The score leans hardest on court filing pressure at 8.9/10. Adults with no health insurance runs 30.6% against 11.3% nationally.

Severe burden reaches 25%. Those are renters paying half their income or more, and that is where non-payment filings originate. Sitting well above the midpoint, local political climate reads 8.3/10. On the softer side, economic stress reads 2.5/10.

The filing record is not thin: 255 evictions over 5 years of observation. The worst year on record was 2006, when 27.7% of renter households were served.

Average gross rent is $1,836, 9% above the Derby average. In a typical year about 12.8% of renter households face a filing.

That is riskier than roughly 61% of the 84,120 US census tracts in this model. On the CDC Social Vulnerability Index the tract reads 8.3/10, which tracks how hard a shock lands on the households already here.

Of its three components the household composition measure is the most pressured. It tracks the Adams County average of 4.5 closely.

Tract-level figures come from the ACS 5-year release and are rebuilt whenever that, the court-record feed, or the statutory ledger behind the score changes.