Carteret County, NC: Home-Insurance Distress & Forced-Sale Pressure
Carteret County, NC: 86/100 (severe) home-insurance distress; Carteret, NC band HIGH; Carteret, NC #182 of 3,222 counties; Carteret, NC #12 of 100 in North Carolina.
FEMA hazard, Carteret, NC: 90/100; Carteret, NC declarations, three years: 8; Carteret, NC perils: 6 tropical-storm; Carteret, NC five-year count 12 (severity 19.5); Carteret, NC ten-year 12; hazard-weighted, Carteret, NC: 18.0.
Declared incidents on the Carteret, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 6 (Carteret, NC).
NFIP claims, Carteret, NC, three years: 41; Carteret, NC payouts $479,837; per Carteret, NC claim $11,703; Carteret, NC claim-stress 82/100.
Carteret, NC monthly score fell, 90 (March 2026) to 86 (October 2026); Carteret, NC by month: March 90, April 90, May 89, June 89 (Carteret, NC), July 87, August 89, September 88, October 86.
Carteret, NC components: climate 88, NFIP claims 82; Carteret, NC retreat index 86.
Construction distress, Carteret, NC: 73/100 as of August 2026 (Carteret, NC: 71/100 one-to-four unit, 93/100 multifamily).
Carteret, NC ZIPs, June 2026 (Carteret, NC, 16 highest): score 0 (Carteret, NC), climate 95 (Carteret, NC): 28582; score 0 (Carteret, NC), climate 94 (Carteret, NC): 28584; score 0 (Carteret, NC), climate 93 (Carteret, NC): 28511, 28512, 28516, 28520, Carteret, NC 28524, 28528, 28531, 28553, Carteret, NC 28557, 28570, 28575, 28577, Carteret, NC 28579, 28581.
DLRadar rescores Carteret, NC monthly; Carteret, NC readings join Carteret, NC foreclosure, lien and ownership parcels (Carteret, NC), so cost-squeezed Carteret, NC owners surface before listing.
Inside North Carolina, Carteret County ranks 12th of 100 counties for home-insurance distress at 86/100; Buncombe County (87/100) sits just above Carteret County, and Henderson County (86/100) sits just below Carteret County.
Deterministic. Every Carteret County, NC signal traces to a public Carteret dataset (FEMA, NFIP, Census for Carteret, NC) · how insurance distress works in Carteret, NC · methodology
FAQ: Carteret County, NC insurance distress
What is the Carteret County, NC home-insurance-distress score?
Carteret, NC: 86/100 (HIGH), #182 of 3,222, #12 in North Carolina. FEMA hazard, Carteret, NC: 90/100; NFIP stress, Carteret, NC: 82/100; construction, Carteret, NC: 73/100; Carteret, NC rescores monthly.
Is Carteret County insurance distress getting better or worse (NC)?
Carteret, NC: 90 in March 2026; Carteret, NC: 86 in October 2026 (better); Carteret, NC climate component 88; Carteret, NC NFIP claims score 82.
How many flood-insurance claims has Carteret County, NC had?
Carteret, NC: 41 NFIP claims, three years; Carteret, NC paid $479,837; per Carteret, NC claim $11,703; carriers reprice Carteret, NC against that record.
Which Carteret County ZIP codes carry the most insurance distress (NC)?
Carteret, NC, June 2026: 28582 at 0, 28584 at 0, 28511 at 0, 28512 at 0; Carteret, NC climate scores there: 95, 94, 93, 93.
Why does Carteret, NC insurance distress create sellers?
A Carteret, NC premium outruns the Carteret, NC budget; a carrier leaves Carteret, NC; Carteret, NC carrying cost passes plan; Carteret, NC owners sell while current; Carteret, NC insurance distress leads Carteret, NC foreclosure data.