Caldwell County, NC: Home-Insurance Distress & Forced-Sale Pressure
Caldwell County, NC: 80/100 (severe) home-insurance distress; Caldwell, NC band HIGH; Caldwell, NC #354 of 3,222 counties; Caldwell, NC #45 of 100 in North Carolina.
FEMA hazard, Caldwell, NC: 78/100; Caldwell, NC declarations, three years: 6; Caldwell, NC perils: 4 tropical-storm; Caldwell, NC five-year count 9 (severity 15.0); Caldwell, NC ten-year 9; hazard-weighted, Caldwell, NC: 12.0.
Declared incidents on the Caldwell, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Caldwell, NC).
NFIP claims, Caldwell, NC, three years: 15; Caldwell, NC payouts $381,871; per Caldwell, NC claim $25,458; Caldwell, NC claim-stress 83/100.
Caldwell, NC monthly score fell, 86 (March 2026) to 79 (October 2026); Caldwell, NC by month: March 86, April 86, May 85, June 85 (Caldwell, NC), July 82, August 84, September 81, October 79.
Caldwell, NC components: climate 77, NFIP claims 83; Caldwell, NC retreat index 79.
Construction distress, Caldwell, NC: 48/100 as of August 2026 (Caldwell, NC: 76/100 one-to-four unit, 5/100 multifamily).
Caldwell, NC ZIPs, June 2026 (Caldwell, NC, 10 highest): score 0 (Caldwell, NC), climate 79 (Caldwell, NC): 28624; score 0 (Caldwell, NC), climate 78 (Caldwell, NC): 28606; score 0 (Caldwell, NC), climate 73 (Caldwell, NC): 28601; score 0 (Caldwell, NC), climate 68 (Caldwell, NC): 28605, 28638, 28645, 28655, Caldwell, NC 28667; score 0 (Caldwell, NC), climate 67 (Caldwell, NC): 28630; score 0 (Caldwell, NC), climate 63 (Caldwell, NC): 28611.
DLRadar rescores Caldwell, NC monthly; Caldwell, NC readings join Caldwell, NC foreclosure, lien and ownership parcels (Caldwell, NC), so cost-squeezed Caldwell, NC owners surface before listing.
Inside North Carolina, Caldwell County ranks 45th of 100 counties for home-insurance distress at 80/100; Davidson County (81/100) sits just above Caldwell County, and Bladen County (80/100) sits just below Caldwell County.
Deterministic. Every Caldwell County, NC signal traces to a public Caldwell dataset (FEMA, NFIP, Census for Caldwell, NC) · how insurance distress works in Caldwell, NC · methodology
FAQ: Caldwell County, NC insurance distress
What is the Caldwell County, NC home-insurance-distress score?
Caldwell, NC: 80/100 (HIGH), #354 of 3,222, #45 in North Carolina. FEMA hazard, Caldwell, NC: 78/100; NFIP stress, Caldwell, NC: 83/100; construction, Caldwell, NC: 48/100; Caldwell, NC rescores monthly.
Is Caldwell County insurance distress getting better or worse (NC)?
Caldwell, NC: 86 in March 2026; Caldwell, NC: 79 in October 2026 (better); Caldwell, NC climate component 77; Caldwell, NC NFIP claims score 83.
How many flood-insurance claims has Caldwell County, NC had?
Caldwell, NC: 15 NFIP claims, three years; Caldwell, NC paid $381,871; per Caldwell, NC claim $25,458; carriers reprice Caldwell, NC against that record.
Which Caldwell County ZIP codes carry the most insurance distress (NC)?
Caldwell, NC, June 2026: 28624 at 0, 28606 at 0, 28601 at 0, 28605 at 0; Caldwell, NC climate scores there: 79, 78, 73, 68.
Why does Caldwell, NC insurance distress create sellers?
A Caldwell, NC premium outruns the Caldwell, NC budget; a carrier leaves Caldwell, NC; Caldwell, NC carrying cost passes plan; Caldwell, NC owners sell while current; Caldwell, NC insurance distress leads Caldwell, NC foreclosure data.