Clay County, MN: Home-Insurance Distress & Forced-Sale Pressure
Clay County, MN: 0/100 (low) home-insurance distress; Clay, MN band ZERO; Clay, MN #2,751 of 3,222 counties; Clay, MN #54 of 87 in Minnesota; Clay, MN coverage multiplier 0.70.
FEMA hazard, Clay, MN: 0/100; Clay, MN declarations, three years: none; Clay, MN five-year count 3 (severity 3.0); Clay, MN ten-year 3.
Declared incidents on the Clay, MN record: 2023 Flood 1 (Clay, MN).
NFIP claims, Clay, MN, three years: none; Clay, MN claim-stress 0/100.
Clay, MN monthly score: 0 in every month from March 2026 (Clay, MN) through October 2026.
Clay, MN components: all zero this month; Clay, MN climate multiplier 0.70.
Construction distress, Clay, MN: 57/100 as of August 2026 (Clay, MN: 68/100 one-to-four unit, 39/100 multifamily).
Clay, MN ZIPs, June 2026 (Clay, MN, 16 highest): score 0 (Clay, MN), climate 77 (Clay, MN): 56525, 56529, 56536, 56546, Clay, MN 56547, 56549, 56562, 56563, Clay, MN 56572, 56580; score 0 (Clay, MN), climate 76 (Clay, MN): 56560; score 0 (Clay, MN), climate 67 (Clay, MN): 56552; score 0 (Clay, MN), climate 64 (Clay, MN): 56585; score 0 (Clay, MN), climate 53 (Clay, MN): 56514; score 0 (Clay, MN), climate 42 (Clay, MN): 56554; score 0 (Clay, MN), climate 40 (Clay, MN): 56519.
DLRadar rescores Clay, MN monthly; Clay, MN readings join Clay, MN foreclosure, lien and ownership parcels (Clay, MN), so cost-squeezed Clay, MN owners surface before listing.
Inside Minnesota, Clay County ranks 54th of 87 counties for home-insurance distress at 0/100; Chisago County (0/100) sits just above Clay County, and Clearwater County (0/100) sits just below Clay County.
Deterministic. Every Clay County, MN signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, MN) · how insurance distress works in Clay, MN · methodology
FAQ: Clay County, MN insurance distress
What is the Clay County, MN home-insurance-distress score?
Clay, MN: 0/100 (ZERO), #2,751 of 3,222, #54 in Minnesota. FEMA hazard, Clay, MN: 0/100; NFIP stress, Clay, MN: 0/100; construction, Clay, MN: 57/100; Clay, MN rescores monthly.
Is Clay County insurance distress getting better or worse (MN)?
Clay, MN: 0 in March 2026; Clay, MN: 0 in October 2026 (unchanged).
Which Clay County ZIP codes carry the most insurance distress (MN)?
Clay, MN, June 2026: 56525 at 0, 56529 at 0, 56536 at 0, 56546 at 0; Clay, MN climate scores there: 77, 77, 77, 77.
Why does Clay, MN insurance distress create sellers?
A Clay, MN premium outruns the Clay, MN budget; a carrier leaves Clay, MN; Clay, MN carrying cost passes plan; Clay, MN owners sell while current; Clay, MN insurance distress leads Clay, MN foreclosure data.