Alleghany County, NC: Home-Insurance Distress & Forced-Sale Pressure
Alleghany County, NC: 87/100 (severe) home-insurance distress; Alleghany, NC band HIGH; Alleghany, NC #170 of 3,222 counties; Alleghany, NC #10 of 100 in North Carolina.
FEMA hazard, Alleghany, NC: 90/100; Alleghany, NC declarations, three years: 8; Alleghany, NC perils: 6 tropical-storm; Alleghany, NC five-year count 12 (severity 19.5); Alleghany, NC ten-year 12; hazard-weighted, Alleghany, NC: 18.0.
Declared incidents on the Alleghany, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 6 (Alleghany, NC).
NFIP claims, Alleghany, NC, three years: 4; Alleghany, NC payouts $330,452; per Alleghany, NC claim $82,613; Alleghany, NC claim-stress 83/100.
Alleghany, NC monthly score fell, 90 (March 2026) to 86 (October 2026); Alleghany, NC by month: March 90, April 90, May 89, June 89 (Alleghany, NC), July 87, August 89, September 89, October 86.
Alleghany, NC components: climate 88, NFIP claims 83; Alleghany, NC retreat index 86.
Construction distress, Alleghany, NC: 30/100 as of August 2026 (Alleghany, NC: 30/100 one-to-four unit, 0/100 multifamily).
Alleghany, NC ZIPs, June 2026 (Alleghany, NC, 7 highest): score 0 (Alleghany, NC), climate 58 (Alleghany, NC): 28631; score 0 (Alleghany, NC), climate 43 (Alleghany, NC): 28644; score 0 (Alleghany, NC), climate 27 (Alleghany, NC): 28623, 28627, 28663, 28668, Alleghany, NC 28675.
DLRadar rescores Alleghany, NC monthly; Alleghany, NC readings join Alleghany, NC foreclosure, lien and ownership parcels (Alleghany, NC), so cost-squeezed Alleghany, NC owners surface before listing.
Inside North Carolina, Alleghany County ranks 10th of 100 counties for home-insurance distress at 87/100; Union County (87/100) sits just above Alleghany County, and Buncombe County (87/100) sits just below Alleghany County.
Deterministic. Every Alleghany County, NC signal traces to a public Alleghany dataset (FEMA, NFIP, Census for Alleghany, NC) · how insurance distress works in Alleghany, NC · methodology
FAQ: Alleghany County, NC insurance distress
What is the Alleghany County, NC home-insurance-distress score?
Alleghany, NC: 87/100 (HIGH), #170 of 3,222, #10 in North Carolina. FEMA hazard, Alleghany, NC: 90/100; NFIP stress, Alleghany, NC: 83/100; construction, Alleghany, NC: 30/100; Alleghany, NC rescores monthly.
Is Alleghany County insurance distress getting better or worse (NC)?
Alleghany, NC: 90 in March 2026; Alleghany, NC: 86 in October 2026 (better); Alleghany, NC climate component 88; Alleghany, NC NFIP claims score 83.
How many flood-insurance claims has Alleghany County, NC had?
Alleghany, NC: 4 NFIP claims, three years; Alleghany, NC paid $330,452; per Alleghany, NC claim $82,613; carriers reprice Alleghany, NC against that record.
Which Alleghany County ZIP codes carry the most insurance distress (NC)?
Alleghany, NC, June 2026: 28631 at 0, 28644 at 0, 28623 at 0, 28627 at 0; Alleghany, NC climate scores there: 58, 43, 27, 27.
Why does Alleghany, NC insurance distress create sellers?
A Alleghany, NC premium outruns the Alleghany, NC budget; a carrier leaves Alleghany, NC; Alleghany, NC carrying cost passes plan; Alleghany, NC owners sell while current; Alleghany, NC insurance distress leads Alleghany, NC foreclosure data.