Clay County, GA: Home-Insurance Distress & Forced-Sale Pressure
Clay County, GA: 46/100 (elevated) home-insurance distress; Clay, GA band MEDIUM; Clay, GA #1,190 of 3,222 counties; Clay, GA #137 of 159 in Georgia; raw Clay, GA 46.9; Clay, GA coverage multiplier 0.85.
FEMA hazard, Clay, GA: 90/100; Clay, GA declarations, three years: 4; Clay, GA perils: 4 tropical-storm; Clay, GA five-year count 3 (severity 4.5); Clay, GA ten-year 3; hazard-weighted, Clay, GA: 12.0.
Declared incidents on the Clay, GA record: 2026 Tropical Storm 3; 2024 Tropical Storm 3 (Clay, GA).
NFIP claims, Clay, GA, three years: none; Clay, GA claim-stress 0/100.
Clay, GA monthly score rose, 37 (March 2026) to 45 (October 2026); Clay, GA by month: March 37, April 37, May 35, June 35 (Clay, GA), July 33, August 33, September 32, October 45.
Clay, GA components: climate 88; Clay, GA retreat index 45; Clay, GA climate multiplier 0.85.
Construction distress, Clay, GA: 27/100 as of August 2026 (Clay, GA: 27/100 one-to-four unit, 0/100 multifamily).
Clay, GA ZIPs, June 2026 (Clay, GA, 6 highest): score 0 (Clay, GA), climate 15 (Clay, GA): 39824; score 0 (Clay, GA), climate 13 (Clay, GA): 39836; score 0 (Clay, GA), climate 11 (Clay, GA): 39846; score 0 (Clay, GA), climate 8 (Clay, GA): 39867; score 0 (Clay, GA), climate 6 (Clay, GA): 39851, 39854.
DLRadar rescores Clay, GA monthly; Clay, GA readings join Clay, GA foreclosure, lien and ownership parcels (Clay, GA), so cost-squeezed Clay, GA owners surface before listing.
Inside Georgia, Clay County ranks 137th of 159 counties for home-insurance distress at 46/100; Chattooga County (46/100) sits just above Clay County, and Dade County (46/100) sits just below Clay County.
Deterministic. Every Clay County, GA signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, GA) · how insurance distress works in Clay, GA · methodology
FAQ: Clay County, GA insurance distress
What is the Clay County, GA home-insurance-distress score?
Clay, GA: 46/100 (MEDIUM), #1,190 of 3,222, #137 in Georgia. FEMA hazard, Clay, GA: 90/100; NFIP stress, Clay, GA: 0/100; construction, Clay, GA: 27/100; Clay, GA rescores monthly.
Is Clay County insurance distress getting better or worse (GA)?
Clay, GA: 37 in March 2026; Clay, GA: 45 in October 2026 (worse); Clay, GA climate component 88.
Which Clay County ZIP codes carry the most insurance distress (GA)?
Clay, GA, June 2026: 39824 at 0, 39836 at 0, 39846 at 0, 39867 at 0; Clay, GA climate scores there: 15, 13, 11, 8.
Why does Clay, GA insurance distress create sellers?
A Clay, GA premium outruns the Clay, GA budget; a carrier leaves Clay, GA; Clay, GA carrying cost passes plan; Clay, GA owners sell while current; Clay, GA insurance distress leads Clay, GA foreclosure data.