Chatham County, NC: Home-Insurance Distress & Forced-Sale Pressure
Chatham County, NC: 84/100 (severe) home-insurance distress; Chatham, NC band HIGH; Chatham, NC #253 of 3,222 counties; Chatham, NC #31 of 100 in North Carolina.
FEMA hazard, Chatham, NC: 78/100; Chatham, NC declarations, three years: 8; Chatham, NC perils: 4 tropical-storm; Chatham, NC five-year count 12 (severity 21.0); Chatham, NC ten-year 12; hazard-weighted, Chatham, NC: 12.0.
Declared incidents on the Chatham, NC record: 2026 Winter Storm 2; 2025 Tropical Depression 2 (Chatham, NC); 2024 Tropical Storm 4 (Chatham, NC).
NFIP claims, Chatham, NC, three years: 17; Chatham, NC payouts $1,385,708; per Chatham, NC claim $81,512; Chatham, NC claim-stress 92/100.
Chatham, NC monthly score fell, 90 (March 2026) to 83 (October 2026); Chatham, NC by month: March 90, April 90, May 88, June 88 (Chatham, NC), July 85, August 87, September 84, October 83.
Chatham, NC components: climate 77, NFIP claims 92; Chatham, NC retreat index 83.
Construction distress, Chatham, NC: 47/100 as of August 2026 (Chatham, NC: 53/100 one-to-four unit, 11/100 multifamily).
Chatham, NC ZIPs, June 2026 (Chatham, NC, 16 highest): score 0 (Chatham, NC), climate 94 (Chatham, NC): 27519; score 0 (Chatham, NC), climate 91 (Chatham, NC): 27502, 27540; score 0 (Chatham, NC), climate 83 (Chatham, NC): 27298; score 0 (Chatham, NC), climate 82 (Chatham, NC): 27713; score 0 (Chatham, NC), climate 79 (Chatham, NC): 27516, 27562; score 0 (Chatham, NC), climate 78 (Chatham, NC): 27349; score 0 (Chatham, NC), climate 76 (Chatham, NC): 27355, 27523; score 0 (Chatham, NC), climate 74 (Chatham, NC): 27517; score 0 (Chatham, NC), climate 73 (Chatham, NC): 27208; score 0 (Chatham, NC), climate 68 (Chatham, NC): 27344; score 0 (Chatham, NC), climate 67 (Chatham, NC): 27207, 27213, 27252.
DLRadar rescores Chatham, NC monthly; Chatham, NC readings join Chatham, NC foreclosure, lien and ownership parcels (Chatham, NC), so cost-squeezed Chatham, NC owners surface before listing.
Inside North Carolina, Chatham County ranks 31st of 100 counties for home-insurance distress at 84/100; Nash County (84/100) sits just above Chatham County, and Lee County (84/100) sits just below Chatham County.
Deterministic. Every Chatham County, NC signal traces to a public Chatham dataset (FEMA, NFIP, Census for Chatham, NC) · how insurance distress works in Chatham, NC · methodology
FAQ: Chatham County, NC insurance distress
What is the Chatham County, NC home-insurance-distress score?
Chatham, NC: 84/100 (HIGH), #253 of 3,222, #31 in North Carolina. FEMA hazard, Chatham, NC: 78/100; NFIP stress, Chatham, NC: 92/100; construction, Chatham, NC: 47/100; Chatham, NC rescores monthly.
Is Chatham County insurance distress getting better or worse (NC)?
Chatham, NC: 90 in March 2026; Chatham, NC: 83 in October 2026 (better); Chatham, NC climate component 77; Chatham, NC NFIP claims score 92.
How many flood-insurance claims has Chatham County, NC had?
Chatham, NC: 17 NFIP claims, three years; Chatham, NC paid $1,385,708; per Chatham, NC claim $81,512; carriers reprice Chatham, NC against that record.
Which Chatham County ZIP codes carry the most insurance distress (NC)?
Chatham, NC, June 2026: 27519 at 0, 27502 at 0, 27540 at 0, 27298 at 0; Chatham, NC climate scores there: 94, 91, 91, 83.
Why does Chatham, NC insurance distress create sellers?
A Chatham, NC premium outruns the Chatham, NC budget; a carrier leaves Chatham, NC; Chatham, NC carrying cost passes plan; Chatham, NC owners sell while current; Chatham, NC insurance distress leads Chatham, NC foreclosure data.