Clayton County, IA: Home-Insurance Distress & Forced-Sale Pressure
Clayton County, IA: 21/100 (low) home-insurance distress; Clayton, IA band LOW; Clayton, IA #2,106 of 3,222 counties; Clayton, IA #39 of 99 in Iowa; raw Clayton, IA 24.3; Clayton, IA coverage multiplier 0.85.
FEMA hazard, Clayton, IA: 0/100; Clayton, IA declarations, three years: none; Clayton, IA five-year count 3 (severity 3.0); Clayton, IA ten-year 3.
Declared incidents on the Clayton, IA record: 2023 Flood 1 (Clayton, IA).
NFIP claims, Clayton, IA, three years: 2; Clayton, IA payouts $18,624; per Clayton, IA claim $9,312; Clayton, IA claim-stress 61/100.
Clayton, IA monthly score fell, 28 (March 2026) to 21 (October 2026); Clayton, IA by month: March 28, April 28, May 28, June 28 (Clayton, IA), July 28, August 28, September 28, October 21.
Clayton, IA components: NFIP claims 61; Clayton, IA retreat index 21; Clayton, IA climate multiplier 0.85.
Construction distress, Clayton, IA: 27/100 as of August 2026 (Clayton, IA: 30/100 one-to-four unit, 13/100 multifamily).
Clayton, IA ZIPs, June 2026 (Clayton, IA, 16 highest): score 0 (Clayton, IA), climate 70 (Clayton, IA): 52073; score 0 (Clayton, IA), climate 66 (Clayton, IA): 52053; score 0 (Clayton, IA), climate 52 (Clayton, IA): 52050; score 0 (Clayton, IA), climate 50 (Clayton, IA): 50606, 52135, 52169; score 0 (Clayton, IA), climate 49 (Clayton, IA): 52141; score 0 (Clayton, IA), climate 48 (Clayton, IA): 52035, 52052; score 0 (Clayton, IA), climate 47 (Clayton, IA): 52042, 52076; score 0 (Clayton, IA), climate 46 (Clayton, IA): 52043, 52044, 52047, 52048, Clayton, IA 52049.
DLRadar rescores Clayton, IA monthly; Clayton, IA readings join Clayton, IA foreclosure, lien and ownership parcels (Clayton, IA), so cost-squeezed Clayton, IA owners surface before listing.
Inside Iowa, Clayton County ranks 39th of 99 counties for home-insurance distress at 21/100; Delaware County (21/100) sits just above Clayton County, and Adair County (21/100) sits just below Clayton County.
Deterministic. Every Clayton County, IA signal traces to a public Clayton dataset (FEMA, NFIP, Census for Clayton, IA) · how insurance distress works in Clayton, IA · methodology
FAQ: Clayton County, IA insurance distress
What is the Clayton County, IA home-insurance-distress score?
Clayton, IA: 21/100 (LOW), #2,106 of 3,222, #39 in Iowa. FEMA hazard, Clayton, IA: 0/100; NFIP stress, Clayton, IA: 61/100; construction, Clayton, IA: 27/100; Clayton, IA rescores monthly.
Is Clayton County insurance distress getting better or worse (IA)?
Clayton, IA: 28 in March 2026; Clayton, IA: 21 in October 2026 (better); Clayton, IA NFIP claims score 61.
How many flood-insurance claims has Clayton County, IA had?
Clayton, IA: 2 NFIP claims, three years; Clayton, IA paid $18,624; per Clayton, IA claim $9,312; carriers reprice Clayton, IA against that record.
Which Clayton County ZIP codes carry the most insurance distress (IA)?
Clayton, IA, June 2026: 52073 at 0, 52053 at 0, 52050 at 0, 50606 at 0; Clayton, IA climate scores there: 70, 66, 52, 50.
Why does Clayton, IA insurance distress create sellers?
A Clayton, IA premium outruns the Clayton, IA budget; a carrier leaves Clayton, IA; Clayton, IA carrying cost passes plan; Clayton, IA owners sell while current; Clayton, IA insurance distress leads Clayton, IA foreclosure data.