Clay County, IA: Home-Insurance Distress & Forced-Sale Pressure
Clay County, IA: 70/100 (severe) home-insurance distress; Clay, IA band MEDIUM; Clay, IA #636 of 3,222 counties; Clay, IA #1 of 99 in Iowa.
FEMA hazard, Clay, IA: 52/100; Clay, IA declarations, three years: 4; Clay, IA perils: 4 severe-storm; Clay, IA five-year count 6 (severity 9.0); Clay, IA ten-year 6; hazard-weighted, Clay, IA: 4.0.
Declared incidents on the Clay, IA record: 2024 Severe Storm 6 (Clay, IA).
NFIP claims, Clay, IA, three years: 59; Clay, IA payouts $5,443,688; per Clay, IA claim $92,266; Clay, IA claim-stress 97/100.
Clay, IA monthly score fell, 78 (March 2026) to 74 (October 2026); Clay, IA by month: March 78, April 78, May 74, June 74 (Clay, IA), July 72, August 71, September 71, October 74.
Clay, IA components: climate 60, NFIP claims 97; Clay, IA retreat index 74.
Construction distress, Clay, IA: 21/100 as of August 2026 (Clay, IA: 73/100 one-to-four unit, 1/100 multifamily).
Clay, IA ZIPs, June 2026 (Clay, IA, 16 highest): score 0 (Clay, IA), climate 46 (Clay, IA): 51301, 51333, 51340, 51341, Clay, IA 51343, 51357, 51366; score 0 (Clay, IA), climate 45 (Clay, IA): 51338; score 0 (Clay, IA), climate 44 (Clay, IA): 51364; score 0 (Clay, IA), climate 43 (Clay, IA): 50585, 51033; score 0 (Clay, IA), climate 42 (Clay, IA): 51047; score 0 (Clay, IA), climate 41 (Clay, IA): 50565; score 0 (Clay, IA), climate 32 (Clay, IA): 51358; score 0 (Clay, IA), climate 30 (Clay, IA): 50515; score 0 (Clay, IA), climate 29 (Clay, IA): 51058.
DLRadar rescores Clay, IA monthly; Clay, IA readings join Clay, IA foreclosure, lien and ownership parcels (Clay, IA), so cost-squeezed Clay, IA owners surface before listing.
Inside Iowa, Clay County ranks 1st of 99 counties for home-insurance distress at 70/100; Polk County (68/100) sits just below Clay County.
Deterministic. Every Clay County, IA signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, IA) · how insurance distress works in Clay, IA · methodology
FAQ: Clay County, IA insurance distress
What is the Clay County, IA home-insurance-distress score?
Clay, IA: 70/100 (MEDIUM), #636 of 3,222, #1 in Iowa. FEMA hazard, Clay, IA: 52/100; NFIP stress, Clay, IA: 97/100; construction, Clay, IA: 21/100; Clay, IA rescores monthly.
Is Clay County insurance distress getting better or worse (IA)?
Clay, IA: 78 in March 2026; Clay, IA: 74 in October 2026 (better); Clay, IA climate component 60; Clay, IA NFIP claims score 97.
How many flood-insurance claims has Clay County, IA had?
Clay, IA: 59 NFIP claims, three years; Clay, IA paid $5,443,688; per Clay, IA claim $92,266; carriers reprice Clay, IA against that record.
Which Clay County ZIP codes carry the most insurance distress (IA)?
Clay, IA, June 2026: 51301 at 0, 51333 at 0, 51340 at 0, 51341 at 0; Clay, IA climate scores there: 46, 46, 46, 46.
Why does Clay, IA insurance distress create sellers?
A Clay, IA premium outruns the Clay, IA budget; a carrier leaves Clay, IA; Clay, IA carrying cost passes plan; Clay, IA owners sell while current; Clay, IA insurance distress leads Clay, IA foreclosure data.