Clay County, NC: Home-Insurance Distress & Forced-Sale Pressure
Clay County, NC: 74/100 (severe) home-insurance distress; Clay, NC band MEDIUM; Clay, NC #539 of 3,222 counties; Clay, NC #61 of 100 in North Carolina.
FEMA hazard, Clay, NC: 78/100; Clay, NC declarations, three years: 6; Clay, NC perils: 4 tropical-storm; Clay, NC five-year count 9 (severity 15.0); Clay, NC ten-year 9; hazard-weighted, Clay, NC: 12.0.
Declared incidents on the Clay, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Clay, NC).
NFIP claims, Clay, NC, three years: 7; Clay, NC payouts $38,016; per Clay, NC claim $5,431; Clay, NC claim-stress 67/100.
Clay, NC monthly score fell, 81 (March 2026) to 73 (October 2026); Clay, NC by month: March 81, April 81, May 79, June 79 (Clay, NC), July 76, August 78, September 75, October 73.
Clay, NC components: climate 77, NFIP claims 67; Clay, NC retreat index 73.
Construction distress, Clay, NC: 44/100 as of August 2026 (Clay, NC: 44/100 one-to-four unit, 0/100 multifamily).
Clay, NC ZIPs, June 2026 (Clay, NC, 5 highest): score 0 (Clay, NC), climate 70 (Clay, NC): 28734; score 0 (Clay, NC), climate 54 (Clay, NC): 28906; score 0 (Clay, NC), climate 31 (Clay, NC): 28902; score 0 (Clay, NC), climate 20 (Clay, NC): 28904, 28909.
DLRadar rescores Clay, NC monthly; Clay, NC readings join Clay, NC foreclosure, lien and ownership parcels (Clay, NC), so cost-squeezed Clay, NC owners surface before listing.
Inside North Carolina, Clay County ranks 61st of 100 counties for home-insurance distress at 74/100; Rockingham County (74/100) sits just above Clay County, and Martin County (74/100) sits just below Clay County.
Deterministic. Every Clay County, NC signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, NC) · how insurance distress works in Clay, NC · methodology
FAQ: Clay County, NC insurance distress
What is the Clay County, NC home-insurance-distress score?
Clay, NC: 74/100 (MEDIUM), #539 of 3,222, #61 in North Carolina. FEMA hazard, Clay, NC: 78/100; NFIP stress, Clay, NC: 67/100; construction, Clay, NC: 44/100; Clay, NC rescores monthly.
Is Clay County insurance distress getting better or worse (NC)?
Clay, NC: 81 in March 2026; Clay, NC: 73 in October 2026 (better); Clay, NC climate component 77; Clay, NC NFIP claims score 67.
How many flood-insurance claims has Clay County, NC had?
Clay, NC: 7 NFIP claims, three years; Clay, NC paid $38,016; per Clay, NC claim $5,431; carriers reprice Clay, NC against that record.
Which Clay County ZIP codes carry the most insurance distress (NC)?
Clay, NC, June 2026: 28734 at 0, 28906 at 0, 28902 at 0, 28904 at 0; Clay, NC climate scores there: 70, 54, 31, 20.
Why does Clay, NC insurance distress create sellers?
A Clay, NC premium outruns the Clay, NC budget; a carrier leaves Clay, NC; Clay, NC carrying cost passes plan; Clay, NC owners sell while current; Clay, NC insurance distress leads Clay, NC foreclosure data.