Clay County, AR: Home-Insurance Distress & Forced-Sale Pressure
Clay County, AR: 72/100 (severe) home-insurance distress; Clay, AR band MEDIUM; Clay, AR #577 of 3,222 counties; Clay, AR #25 of 75 in Arkansas; raw Clay, AR 63.8.
FEMA hazard, Clay, AR: 72/100; Clay, AR declarations, three years: 6; Clay, AR perils: 3 flood, 2 severe-storm; Clay, AR five-year count 9 (severity 18.0); Clay, AR ten-year 9; hazard-weighted, Clay, AR: 6.0.
Declared incidents on the Clay, AR record: 2026 Winter Storm 2; 2025 Severe Storm 2 (Clay, AR); 2025 Flood 2 (Clay, AR).
NFIP claims, Clay, AR, three years: 6; Clay, AR payouts $76,236; per Clay, AR claim $12,706; Clay, AR claim-stress 71/100.
Clay, AR monthly score fell, 73 (March 2026) to 64 (October 2026); Clay, AR by month: March 73, April 73, May 71, June 71 (Clay, AR), July 68, August 68, September 74, October 64.
Clay, AR components: climate 60, NFIP claims 71; Clay, AR retreat index 64.
Construction distress, Clay, AR: 33/100 as of August 2026 (Clay, AR: 31/100 one-to-four unit, 2/100 multifamily).
Clay, AR ZIPs, June 2026 (Clay, AR, 13 highest): score 0 (Clay, AR), climate 75 (Clay, AR): 72436; score 0 (Clay, AR), climate 69 (Clay, AR): 72461; score 0 (Clay, AR), climate 67 (Clay, AR): 72422, 72424, 72430, 72435, Clay, AR 72441, 72453, 72454, 72456, Clay, AR 72464, 72470; score 0 (Clay, AR), climate 65 (Clay, AR): 72413.
DLRadar rescores Clay, AR monthly; Clay, AR readings join Clay, AR foreclosure, lien and ownership parcels (Clay, AR), so cost-squeezed Clay, AR owners surface before listing.
Inside Arkansas, Clay County ranks 25th of 75 counties for home-insurance distress at 72/100; Union County (73/100) sits just above Clay County, and Poinsett County (72/100) sits just below Clay County.
Deterministic. Every Clay County, AR signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, AR) · how insurance distress works in Clay, AR · methodology
FAQ: Clay County, AR insurance distress
What is the Clay County, AR home-insurance-distress score?
Clay, AR: 72/100 (MEDIUM), #577 of 3,222, #25 in Arkansas. FEMA hazard, Clay, AR: 72/100; NFIP stress, Clay, AR: 71/100; construction, Clay, AR: 33/100; Clay, AR rescores monthly.
Is Clay County insurance distress getting better or worse (AR)?
Clay, AR: 73 in March 2026; Clay, AR: 64 in October 2026 (better); Clay, AR climate component 60; Clay, AR NFIP claims score 71.
How many flood-insurance claims has Clay County, AR had?
Clay, AR: 6 NFIP claims, three years; Clay, AR paid $76,236; per Clay, AR claim $12,706; carriers reprice Clay, AR against that record.
Which Clay County ZIP codes carry the most insurance distress (AR)?
Clay, AR, June 2026: 72436 at 0, 72461 at 0, 72422 at 0, 72424 at 0; Clay, AR climate scores there: 75, 69, 67, 67.
Why does Clay, AR insurance distress create sellers?
A Clay, AR premium outruns the Clay, AR budget; a carrier leaves Clay, AR; Clay, AR carrying cost passes plan; Clay, AR owners sell while current; Clay, AR insurance distress leads Clay, AR foreclosure data.