Clay County, IL: Home-Insurance Distress & Forced-Sale Pressure
Clay County, IL: 0/100 (low) home-insurance distress; Clay, IL band ZERO; Clay, IL #2,614 of 3,222 counties; Clay, IL #53 of 102 in Illinois; Clay, IL coverage multiplier 0.70.
FEMA hazard, Clay, IL: 0/100; Clay, IL declarations, three years: none.
NFIP claims, Clay, IL, three years: none; Clay, IL claim-stress 0/100.
Clay, IL monthly score: 0 in every month from March 2026 (Clay, IL) through October 2026.
Clay, IL components: all zero this month; Clay, IL climate multiplier 0.70.
Construction distress, Clay, IL: 2/100 as of August 2026 (Clay, IL: 3/100 one-to-four unit, 3/100 multifamily).
Clay, IL ZIPs, June 2026 (Clay, IL, 13 highest): score 0 (Clay, IL), climate 75 (Clay, IL): 62854; score 0 (Clay, IL), climate 56 (Clay, IL): 62443; score 0 (Clay, IL), climate 55 (Clay, IL): 62424; score 0 (Clay, IL), climate 50 (Clay, IL): 62838; score 0 (Clay, IL), climate 48 (Clay, IL): 62426; score 0 (Clay, IL), climate 44 (Clay, IL): 62868; score 0 (Clay, IL), climate 42 (Clay, IL): 62824, 62858, 62899; score 0 (Clay, IL), climate 41 (Clay, IL): 62839, 62879; score 0 (Clay, IL), climate 36 (Clay, IL): 62434; score 0 (Clay, IL), climate 28 (Clay, IL): 62448.
DLRadar rescores Clay, IL monthly; Clay, IL readings join Clay, IL foreclosure, lien and ownership parcels (Clay, IL), so cost-squeezed Clay, IL owners surface before listing.
Inside Illinois, Clay County ranks 53rd of 102 counties for home-insurance distress at 0/100; Clark County (0/100) sits just above Clay County, and Coles County (0/100) sits just below Clay County.
Deterministic. Every Clay County, IL signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, IL) · how insurance distress works in Clay, IL · methodology
FAQ: Clay County, IL insurance distress
What is the Clay County, IL home-insurance-distress score?
Clay, IL: 0/100 (ZERO), #2,614 of 3,222, #53 in Illinois. FEMA hazard, Clay, IL: 0/100; NFIP stress, Clay, IL: 0/100; construction, Clay, IL: 2/100; Clay, IL rescores monthly.
Is Clay County insurance distress getting better or worse (IL)?
Clay, IL: 0 in March 2026; Clay, IL: 0 in October 2026 (unchanged).
Which Clay County ZIP codes carry the most insurance distress (IL)?
Clay, IL, June 2026: 62854 at 0, 62443 at 0, 62424 at 0, 62838 at 0; Clay, IL climate scores there: 75, 56, 55, 50.
Why does Clay, IL insurance distress create sellers?
A Clay, IL premium outruns the Clay, IL budget; a carrier leaves Clay, IL; Clay, IL carrying cost passes plan; Clay, IL owners sell while current; Clay, IL insurance distress leads Clay, IL foreclosure data.