Ashe County, NC: Home-Insurance Distress & Forced-Sale Pressure
Ashe County, NC: 86/100 (severe) home-insurance distress; Ashe, NC band HIGH; Ashe, NC #213 of 3,222 counties; Ashe, NC #20 of 100 in North Carolina; raw Ashe, NC 90.8.
FEMA hazard, Ashe, NC: 78/100; Ashe, NC declarations, three years: 9; Ashe, NC perils: 6 tropical-storm; Ashe, NC five-year count 9 (severity 15.0); Ashe, NC ten-year 9; hazard-weighted, Ashe, NC: 18.0.
Declared incidents on the Ashe, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Ashe, NC).
NFIP claims, Ashe, NC, three years: 86; Ashe, NC payouts $6,542,373; per Ashe, NC claim $76,074; Ashe, NC claim-stress 97/100.
Ashe, NC monthly score fell, 91 (March 2026) to 85 (October 2026); Ashe, NC by month: March 91, April 91, May 90, June 90 (Ashe, NC), July 87, August 89, September 86, October 85.
Ashe, NC components: climate 77, NFIP claims 97; Ashe, NC retreat index 85.
Construction distress, Ashe, NC: 36/100 as of August 2026 (Ashe, NC: 33/100 one-to-four unit, 7/100 multifamily).
Ashe, NC ZIPs, June 2026 (Ashe, NC, 13 highest): score 0 (Ashe, NC), climate 68 (Ashe, NC): 28698; score 0 (Ashe, NC), climate 65 (Ashe, NC): 28684; score 0 (Ashe, NC), climate 62 (Ashe, NC): 28615, 28617, 28626, 28629, Ashe, NC 28640, 28643, 28672, 28693, Ashe, NC 28694; score 0 (Ashe, NC), climate 58 (Ashe, NC): 28631; score 0 (Ashe, NC), climate 43 (Ashe, NC): 28644.
DLRadar rescores Ashe, NC monthly; Ashe, NC readings join Ashe, NC foreclosure, lien and ownership parcels (Ashe, NC), so cost-squeezed Ashe, NC owners surface before listing.
Inside North Carolina, Ashe County ranks 24th of 100 counties for home-insurance distress at 86/100; Madison County (86/100) sits just above Ashe County, and Durham County (86/100) sits just below Ashe County.
Deterministic. Every Ashe County, NC signal traces to a public Ashe dataset (FEMA, NFIP, Census for Ashe, NC) · how insurance distress works in Ashe, NC · methodology
FAQ: Ashe County, NC insurance distress
What is the Ashe County, NC home-insurance-distress score?
Ashe, NC: 86/100 (HIGH), #213 of 3,222, #20 in North Carolina. FEMA hazard, Ashe, NC: 78/100; NFIP stress, Ashe, NC: 97/100; construction, Ashe, NC: 36/100; Ashe, NC rescores monthly.
Is Ashe County insurance distress getting better or worse (NC)?
Ashe, NC: 91 in March 2026; Ashe, NC: 85 in October 2026 (better); Ashe, NC climate component 77; Ashe, NC NFIP claims score 97.
How many flood-insurance claims has Ashe County, NC had?
Ashe, NC: 86 NFIP claims, three years; Ashe, NC paid $6,542,373; per Ashe, NC claim $76,074; carriers reprice Ashe, NC against that record.
Which Ashe County ZIP codes carry the most insurance distress (NC)?
Ashe, NC, June 2026: 28698 at 0, 28684 at 0, 28615 at 0, 28617 at 0; Ashe, NC climate scores there: 68, 65, 62, 62.
Why does Ashe, NC insurance distress create sellers?
A Ashe, NC premium outruns the Ashe, NC budget; a carrier leaves Ashe, NC; Ashe, NC carrying cost passes plan; Ashe, NC owners sell while current; Ashe, NC insurance distress leads Ashe, NC foreclosure data.