Clay County, IN: Home-Insurance Distress & Forced-Sale Pressure
Clay County, IN: 60/100 (elevated) home-insurance distress; Clay, IN band MEDIUM; Clay, IN #903 of 3,222 counties; Clay, IN #34 of 92 in Indiana.
FEMA hazard, Clay, IN: 52/100; Clay, IN declarations, three years: 4; Clay, IN perils: 2 flood; Clay, IN five-year count 6 (severity 12.0); Clay, IN ten-year 6; hazard-weighted, Clay, IN: 4.0.
Declared incidents on the Clay, IN record: 2026 Winter Storm 3; 2025 Flood 3 (Clay, IN).
NFIP claims, Clay, IN, three years: 3; Clay, IN payouts $70,231; per Clay, IN claim $23,410; Clay, IN claim-stress 71/100.
Clay, IN monthly score fell, 68 (March 2026) to 64 (October 2026); Clay, IN by month: March 68, April 68, May 64, June 64 (Clay, IN), July 61, August 60, September 60, October 64.
Clay, IN components: climate 60, NFIP claims 71; Clay, IN retreat index 64.
Construction distress, Clay, IN: 66/100 as of August 2026 (Clay, IN: 67/100 one-to-four unit, 11/100 multifamily).
Clay, IN ZIPs, June 2026 (Clay, IN, 16 highest): score 0 (Clay, IN), climate 83 (Clay, IN): 47802; score 0 (Clay, IN), climate 46 (Clay, IN): 46171; score 0 (Clay, IN), climate 44 (Clay, IN): 47858; score 0 (Clay, IN), climate 38 (Clay, IN): 47438, 47874; score 0 (Clay, IN), climate 36 (Clay, IN): 47427, 47834, 47868; score 0 (Clay, IN), climate 34 (Clay, IN): 47833; score 0 (Clay, IN), climate 33 (Clay, IN): 47840; score 0 (Clay, IN), climate 32 (Clay, IN): 47841, 47845, 47846, 47853, Clay, IN 47857, 47881.
DLRadar rescores Clay, IN monthly; Clay, IN readings join Clay, IN foreclosure, lien and ownership parcels (Clay, IN), so cost-squeezed Clay, IN owners surface before listing.
Inside Indiana, Clay County ranks 34th of 92 counties for home-insurance distress at 60/100; Martin County (60/100) sits just above Clay County, and Warrick County (59/100) sits just below Clay County.
Deterministic. Every Clay County, IN signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, IN) · how insurance distress works in Clay, IN · methodology
FAQ: Clay County, IN insurance distress
What is the Clay County, IN home-insurance-distress score?
Clay, IN: 60/100 (MEDIUM), #903 of 3,222, #34 in Indiana. FEMA hazard, Clay, IN: 52/100; NFIP stress, Clay, IN: 71/100; construction, Clay, IN: 66/100; Clay, IN rescores monthly.
Is Clay County insurance distress getting better or worse (IN)?
Clay, IN: 68 in March 2026; Clay, IN: 64 in October 2026 (better); Clay, IN climate component 60; Clay, IN NFIP claims score 71.
How many flood-insurance claims has Clay County, IN had?
Clay, IN: 3 NFIP claims, three years; Clay, IN paid $70,231; per Clay, IN claim $23,410; carriers reprice Clay, IN against that record.
Which Clay County ZIP codes carry the most insurance distress (IN)?
Clay, IN, June 2026: 47802 at 0, 46171 at 0, 47858 at 0, 47438 at 0; Clay, IN climate scores there: 83, 46, 44, 38.
Why does Clay, IN insurance distress create sellers?
A Clay, IN premium outruns the Clay, IN budget; a carrier leaves Clay, IN; Clay, IN carrying cost passes plan; Clay, IN owners sell while current; Clay, IN insurance distress leads Clay, IN foreclosure data.