Cumberland County, NC: Home-Insurance Distress & Forced-Sale Pressure
Cumberland County, NC: 79/100 (severe) home-insurance distress; Cumberland, NC band MEDIUM; Cumberland, NC #386 of 3,222 counties; Cumberland, NC #48 of 100 in North Carolina; raw Cumberland, NC 84.2.
FEMA hazard, Cumberland, NC: 78/100; Cumberland, NC declarations, three years: 9; Cumberland, NC perils: 6 tropical-storm; Cumberland, NC five-year count 9 (severity 15.0); Cumberland, NC ten-year 9; hazard-weighted, Cumberland, NC: 18.0.
Declared incidents on the Cumberland, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Cumberland, NC).
NFIP claims, Cumberland, NC, three years: 18; Cumberland, NC payouts $303,072; per Cumberland, NC claim $16,837; Cumberland, NC claim-stress 80/100.
Cumberland, NC monthly score fell, 86 (March 2026) to 78 (October 2026); Cumberland, NC by month: March 86, April 86, May 84, June 84 (Cumberland, NC), July 81, August 83, September 80, October 78.
Cumberland, NC components: climate 77, NFIP claims 80; Cumberland, NC retreat index 78.
Construction distress, Cumberland, NC: 98/100 as of August 2026 (Cumberland, NC: 73/100 one-to-four unit, 100/100 multifamily).
Cumberland, NC ZIPs, June 2026 (Cumberland, NC, 16 highest): score 0 (Cumberland, NC), climate 90 (Cumberland, NC): 28301, 28303, 28305, 28307, Cumberland, NC 28308, 28310, 28311, 28314, Cumberland, NC 28331, 28342, 28348, 28391, Cumberland, NC 28395; score 0 (Cumberland, NC), climate 89 (Cumberland, NC): 28304, 28306, 28312.
DLRadar rescores Cumberland, NC monthly; Cumberland, NC readings join Cumberland, NC foreclosure, lien and ownership parcels (Cumberland, NC), so cost-squeezed Cumberland, NC owners surface before listing.
Inside North Carolina, Cumberland County ranks 49th of 100 counties for home-insurance distress at 79/100; Wake County (79/100) sits just above Cumberland County, and Cleveland County (79/100) sits just below Cumberland County.
Deterministic. Every Cumberland County, NC signal traces to a public Cumberland dataset (FEMA, NFIP, Census for Cumberland, NC) · how insurance distress works in Cumberland, NC · methodology
FAQ: Cumberland County, NC insurance distress
What is the Cumberland County, NC home-insurance-distress score?
Cumberland, NC: 79/100 (MEDIUM), #386 of 3,222, #48 in North Carolina. FEMA hazard, Cumberland, NC: 78/100; NFIP stress, Cumberland, NC: 80/100; construction, Cumberland, NC: 98/100; Cumberland, NC rescores monthly.
Is Cumberland County insurance distress getting better or worse (NC)?
Cumberland, NC: 86 in March 2026; Cumberland, NC: 78 in October 2026 (better); Cumberland, NC climate component 77; Cumberland, NC NFIP claims score 80.
How many flood-insurance claims has Cumberland County, NC had?
Cumberland, NC: 18 NFIP claims, three years; Cumberland, NC paid $303,072; per Cumberland, NC claim $16,837; carriers reprice Cumberland, NC against that record.
Which Cumberland County ZIP codes carry the most insurance distress (NC)?
Cumberland, NC, June 2026: 28301 at 0, 28303 at 0, 28305 at 0, 28307 at 0; Cumberland, NC climate scores there: 90, 90, 90, 90.
Why does Cumberland, NC insurance distress create sellers?
A Cumberland, NC premium outruns the Cumberland, NC budget; a carrier leaves Cumberland, NC; Cumberland, NC carrying cost passes plan; Cumberland, NC owners sell while current; Cumberland, NC insurance distress leads Cumberland, NC foreclosure data.