Buncombe County, NC: Home-Insurance Distress & Forced-Sale Pressure
Buncombe County, NC: 87/100 (severe) home-insurance distress; Buncombe, NC band HIGH; Buncombe, NC #179 of 3,222 counties; Buncombe, NC #7 of 100 in North Carolina; raw Buncombe, NC 91.8.
FEMA hazard, Buncombe, NC: 78/100; Buncombe, NC declarations, three years: 9; Buncombe, NC perils: 6 tropical-storm; Buncombe, NC five-year count 9 (severity 15.0); Buncombe, NC ten-year 9; hazard-weighted, Buncombe, NC: 18.0.
Declared incidents on the Buncombe, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Buncombe, NC).
NFIP claims, Buncombe, NC, three years: 508; Buncombe, NC payouts $81,564,049; per Buncombe, NC claim $160,559; Buncombe, NC claim-stress 100/100.
Buncombe, NC monthly score fell, 93 (March 2026) to 86 (October 2026); Buncombe, NC by month: March 93, April 93, May 91, June 91 (Buncombe, NC), July 88, August 90, September 87, October 86.
Buncombe, NC components: climate 77, NFIP claims 100; Buncombe, NC retreat index 86.
Construction distress, Buncombe, NC: 0/100 as of August 2026 (Buncombe, NC: 60/100 one-to-four unit, 0/100 multifamily).
Buncombe, NC ZIPs, June 2026 (Buncombe, NC, 16 highest): score 0 (Buncombe, NC), climate 89 (Buncombe, NC): 28704, 28709, 28715, 28730, Buncombe, NC 28757, 28770, 28778, 28801, Buncombe, NC 28803, 28804, 28805, 28806; score 0 (Buncombe, NC), climate 87 (Buncombe, NC): 28701; score 0 (Buncombe, NC), climate 86 (Buncombe, NC): 28787; score 0 (Buncombe, NC), climate 85 (Buncombe, NC): 28732; score 0 (Buncombe, NC), climate 84 (Buncombe, NC): 28711.
DLRadar rescores Buncombe, NC monthly; Buncombe, NC readings join Buncombe, NC foreclosure, lien and ownership parcels (Buncombe, NC), so cost-squeezed Buncombe, NC owners surface before listing.
Inside North Carolina, Buncombe County ranks 11th of 100 counties for home-insurance distress at 87/100; Alleghany County (87/100) sits just above Buncombe County, and Carteret County (86/100) sits just below Buncombe County.
Deterministic. Every Buncombe County, NC signal traces to a public Buncombe dataset (FEMA, NFIP, Census for Buncombe, NC) · how insurance distress works in Buncombe, NC · methodology
FAQ: Buncombe County, NC insurance distress
What is the Buncombe County, NC home-insurance-distress score?
Buncombe, NC: 87/100 (HIGH), #179 of 3,222, #7 in North Carolina. FEMA hazard, Buncombe, NC: 78/100; NFIP stress, Buncombe, NC: 100/100; construction, Buncombe, NC: 0/100; Buncombe, NC rescores monthly.
Is Buncombe County insurance distress getting better or worse (NC)?
Buncombe, NC: 93 in March 2026; Buncombe, NC: 86 in October 2026 (better); Buncombe, NC climate component 77; Buncombe, NC NFIP claims score 100.
How many flood-insurance claims has Buncombe County, NC had?
Buncombe, NC: 508 NFIP claims, three years; Buncombe, NC paid $81,564,049; per Buncombe, NC claim $160,559; carriers reprice Buncombe, NC against that record.
Which Buncombe County ZIP codes carry the most insurance distress (NC)?
Buncombe, NC, June 2026: 28704 at 0, 28709 at 0, 28715 at 0, 28730 at 0; Buncombe, NC climate scores there: 89, 89, 89, 89.
Why does Buncombe, NC insurance distress create sellers?
A Buncombe, NC premium outruns the Buncombe, NC budget; a carrier leaves Buncombe, NC; Buncombe, NC carrying cost passes plan; Buncombe, NC owners sell while current; Buncombe, NC insurance distress leads Buncombe, NC foreclosure data.