Clay County, MO: Home-Insurance Distress & Forced-Sale Pressure
Clay County, MO: 29/100 (moderate) home-insurance distress; Clay, MO band LOW; Clay, MO #1,644 of 3,222 counties; Clay, MO #54 of 115 in Missouri; raw Clay, MO 33.7; Clay, MO coverage multiplier 0.85.
FEMA hazard, Clay, MO: 0/100; Clay, MO declarations, three years: none.
NFIP claims, Clay, MO, three years: 15; Clay, MO payouts $430,047; per Clay, MO claim $28,670; Clay, MO claim-stress 84/100.
Clay, MO monthly score rose, 11 (March 2026) to 29 (October 2026); Clay, MO by month: March 11, April 11, May 11, June 11 (Clay, MO), July 11, August 11, September 11, October 29.
Clay, MO components: NFIP claims 84; Clay, MO retreat index 29; Clay, MO climate multiplier 0.85.
Construction distress, Clay, MO: 89/100 as of August 2026 (Clay, MO: 63/100 one-to-four unit, 100/100 multifamily).
Clay, MO ZIPs, June 2026 (Clay, MO, 16 highest): score 0 (Clay, MO), climate 91 (Clay, MO): 64060, 64068, 64072, 64116, Clay, MO 64117, 64118, 64119, 64155, Clay, MO 64156, 64157, 64158, 64161, Clay, MO 64165, 64166, 64167; score 0 (Clay, MO), climate 87 (Clay, MO): 64089.
DLRadar rescores Clay, MO monthly; Clay, MO readings join Clay, MO foreclosure, lien and ownership parcels (Clay, MO), so cost-squeezed Clay, MO owners surface before listing.
Inside Missouri, Clay County ranks 49th of 115 counties for home-insurance distress at 29/100; St. Charles County (29/100) sits just above Clay County, and Lincoln County (28/100) sits just below Clay County.
Deterministic. Every Clay County, MO signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, MO) · how insurance distress works in Clay, MO · methodology
FAQ: Clay County, MO insurance distress
What is the Clay County, MO home-insurance-distress score?
Clay, MO: 29/100 (LOW), #1,644 of 3,222, #54 in Missouri. FEMA hazard, Clay, MO: 0/100; NFIP stress, Clay, MO: 84/100; construction, Clay, MO: 89/100; Clay, MO rescores monthly.
Is Clay County insurance distress getting better or worse (MO)?
Clay, MO: 11 in March 2026; Clay, MO: 29 in October 2026 (worse); Clay, MO NFIP claims score 84.
How many flood-insurance claims has Clay County, MO had?
Clay, MO: 15 NFIP claims, three years; Clay, MO paid $430,047; per Clay, MO claim $28,670; carriers reprice Clay, MO against that record.
Which Clay County ZIP codes carry the most insurance distress (MO)?
Clay, MO, June 2026: 64060 at 0, 64068 at 0, 64072 at 0, 64116 at 0; Clay, MO climate scores there: 91, 91, 91, 91.
Why does Clay, MO insurance distress create sellers?
A Clay, MO premium outruns the Clay, MO budget; a carrier leaves Clay, MO; Clay, MO carrying cost passes plan; Clay, MO owners sell while current; Clay, MO insurance distress leads Clay, MO foreclosure data.