Clay County, FL: Home-Insurance Distress & Forced-Sale Pressure
Clay County, FL: 92/100 (severe) home-insurance distress; Clay, FL band HIGH; Clay, FL #69 of 3,222 counties; Clay, FL #36 of 67 in Florida.
FEMA hazard, Clay, FL: 99/100; Clay, FL declarations, three years: 12; Clay, FL perils: 9 hurricane, 4 tropical-storm, 3 fire; Clay, FL five-year count 21 (severity 28.5); Clay, FL ten-year 21; hazard-weighted, Clay, FL: 46.0.
Declared incidents on the Clay, FL record: 2026 Fire 3; 2024 Hurricane 9 (Clay, FL); 2024 Tropical Storm 6; 2023 Tropical Storm 1 (Clay, FL); 2023 Hurricane 1 (Clay, FL).
NFIP claims, Clay, FL, three years: 8; Clay, FL payouts $272,793; per Clay, FL claim $34,099; Clay, FL claim-stress 82/100.
Clay, FL monthly score rose, 68 (March 2026) to 92 (October 2026); Clay, FL by month: March 68, April 68, May 68, June 68 (Clay, FL), July 68, August 68, September 68, October 92.
Clay, FL components: climate 99, NFIP claims 82; Clay, FL retreat index 92.
Construction distress, Clay, FL: 42/100 as of August 2026 (Clay, FL: 43/100 one-to-four unit, 1/100 multifamily).
Clay, FL ZIPs, June 2026 (Clay, FL, 12 highest): score 0 (Clay, FL), climate 83 (Clay, FL): 32003, 32043, 32065, 32068, Clay, FL 32073, 32079; score 0 (Clay, FL), climate 81 (Clay, FL): 32656; score 0 (Clay, FL), climate 78 (Clay, FL): 32666; score 0 (Clay, FL), climate 77 (Clay, FL): 32140; score 0 (Clay, FL), climate 75 (Clay, FL): 32234; score 0 (Clay, FL), climate 45 (Clay, FL): 32091; score 0 (Clay, FL), climate 36 (Clay, FL): 32058.
DLRadar rescores Clay, FL monthly; Clay, FL readings join Clay, FL foreclosure, lien and ownership parcels (Clay, FL), so cost-squeezed Clay, FL owners surface before listing.
Inside Florida, Clay County ranks 36th of 67 counties for home-insurance distress at 92/100; Okaloosa County (92/100) sits just above Clay County, and St Johns County (92/100) sits just below Clay County.
Deterministic. Every Clay County, FL signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, FL) · how insurance distress works in Clay, FL · methodology
FAQ: Clay County, FL insurance distress
What is the Clay County, FL home-insurance-distress score?
Clay, FL: 92/100 (HIGH), #69 of 3,222, #36 in Florida. FEMA hazard, Clay, FL: 99/100; NFIP stress, Clay, FL: 82/100; construction, Clay, FL: 42/100; Clay, FL rescores monthly.
Is Clay County insurance distress getting better or worse (FL)?
Clay, FL: 68 in March 2026; Clay, FL: 92 in October 2026 (worse); Clay, FL climate component 99; Clay, FL NFIP claims score 82.
How many flood-insurance claims has Clay County, FL had?
Clay, FL: 8 NFIP claims, three years; Clay, FL paid $272,793; per Clay, FL claim $34,099; carriers reprice Clay, FL against that record.
Which Clay County ZIP codes carry the most insurance distress (FL)?
Clay, FL, June 2026: 32003 at 0, 32043 at 0, 32065 at 0, 32068 at 0; Clay, FL climate scores there: 83, 83, 83, 83.
Why does Clay, FL insurance distress create sellers?
A Clay, FL premium outruns the Clay, FL budget; a carrier leaves Clay, FL; Clay, FL carrying cost passes plan; Clay, FL owners sell while current; Clay, FL insurance distress leads Clay, FL foreclosure data.