Cleveland County, NC: Home-Insurance Distress & Forced-Sale Pressure
Cleveland County, NC: 79/100 (severe) home-insurance distress; Cleveland, NC band MEDIUM; Cleveland, NC #392 of 3,222 counties; Cleveland, NC #50 of 100 in North Carolina.
FEMA hazard, Cleveland, NC: 78/100; Cleveland, NC declarations, three years: 6; Cleveland, NC perils: 4 tropical-storm; Cleveland, NC five-year count 9 (severity 15.0); Cleveland, NC ten-year 9; hazard-weighted, Cleveland, NC: 12.0.
Declared incidents on the Cleveland, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Cleveland, NC).
NFIP claims, Cleveland, NC, three years: 7; Cleveland, NC payouts $219,688; per Cleveland, NC claim $31,384; Cleveland, NC claim-stress 80/100.
Cleveland, NC monthly score fell, 84 (March 2026) to 78 (October 2026); Cleveland, NC by month: March 84, April 84, May 83, June 83 (Cleveland, NC), July 80, August 82, September 79, October 78.
Cleveland, NC components: climate 77, NFIP claims 80; Cleveland, NC retreat index 78.
Construction distress, Cleveland, NC: 52/100 as of August 2026 (Cleveland, NC: 52/100 one-to-four unit, 54/100 multifamily).
Cleveland, NC ZIPs, June 2026 (Cleveland, NC, 15 highest): score 0 (Cleveland, NC), climate 78 (Cleveland, NC): 28021; score 0 (Cleveland, NC), climate 77 (Cleveland, NC): 28168; score 0 (Cleveland, NC), climate 74 (Cleveland, NC): 28086; score 0 (Cleveland, NC), climate 70 (Cleveland, NC): 28017, 28020, 28042, 28073, Cleveland, NC 28089, 28090, 28114, 28136, Cleveland, NC 28150, 28152, 28169; score 0 (Cleveland, NC), climate 69 (Cleveland, NC): 28040.
DLRadar rescores Cleveland, NC monthly; Cleveland, NC readings join Cleveland, NC foreclosure, lien and ownership parcels (Cleveland, NC), so cost-squeezed Cleveland, NC owners surface before listing.
Inside North Carolina, Cleveland County ranks 50th of 100 counties for home-insurance distress at 79/100; Cumberland County (79/100) sits just above Cleveland County, and Jackson County (78/100) sits just below Cleveland County.
Deterministic. Every Cleveland County, NC signal traces to a public Cleveland dataset (FEMA, NFIP, Census for Cleveland, NC) · how insurance distress works in Cleveland, NC · methodology
FAQ: Cleveland County, NC insurance distress
What is the Cleveland County, NC home-insurance-distress score?
Cleveland, NC: 79/100 (MEDIUM), #392 of 3,222, #50 in North Carolina. FEMA hazard, Cleveland, NC: 78/100; NFIP stress, Cleveland, NC: 80/100; construction, Cleveland, NC: 52/100; Cleveland, NC rescores monthly.
Is Cleveland County insurance distress getting better or worse (NC)?
Cleveland, NC: 84 in March 2026; Cleveland, NC: 78 in October 2026 (better); Cleveland, NC climate component 77; Cleveland, NC NFIP claims score 80.
How many flood-insurance claims has Cleveland County, NC had?
Cleveland, NC: 7 NFIP claims, three years; Cleveland, NC paid $219,688; per Cleveland, NC claim $31,384; carriers reprice Cleveland, NC against that record.
Which Cleveland County ZIP codes carry the most insurance distress (NC)?
Cleveland, NC, June 2026: 28021 at 0, 28168 at 0, 28086 at 0, 28017 at 0; Cleveland, NC climate scores there: 78, 77, 74, 70.
Why does Cleveland, NC insurance distress create sellers?
A Cleveland, NC premium outruns the Cleveland, NC budget; a carrier leaves Cleveland, NC; Cleveland, NC carrying cost passes plan; Cleveland, NC owners sell while current; Cleveland, NC insurance distress leads Cleveland, NC foreclosure data.