Durham County, NC: Home-Insurance Distress & Forced-Sale Pressure
Durham County, NC: 86/100 (severe) home-insurance distress; Durham, NC band HIGH; Durham, NC #214 of 3,222 counties; Durham, NC #21 of 100 in North Carolina; raw Durham, NC 90.7.
FEMA hazard, Durham, NC: 78/100; Durham, NC declarations, three years: 12; Durham, NC perils: 6 tropical-storm; Durham, NC five-year count 12 (severity 21.0); Durham, NC ten-year 12; hazard-weighted, Durham, NC: 18.0.
Declared incidents on the Durham, NC record: 2026 Winter Storm 2; 2025 Tropical Depression 2 (Durham, NC); 2024 Tropical Storm 4 (Durham, NC).
NFIP claims, Durham, NC, three years: 78; Durham, NC payouts $6,038,231; per Durham, NC claim $77,413; Durham, NC claim-stress 97/100.
Durham, NC monthly score fell, 91 (March 2026) to 85 (October 2026); Durham, NC by month: March 91, April 91, May 90, June 90 (Durham, NC), July 87, August 89, September 86, October 85.
Durham, NC components: climate 77, NFIP claims 97; Durham, NC retreat index 85.
Construction distress, Durham, NC: 2/100 as of August 2026 (Durham, NC: 37/100 one-to-four unit, 1/100 multifamily).
Durham, NC ZIPs, June 2026 (Durham, NC, 16 highest): score 0 (Durham, NC), climate 96 (Durham, NC): 27560, 27613, 27617; score 0 (Durham, NC), climate 90 (Durham, NC): 27503, 27701, 27703, 27704, Durham, NC 27708, 27709, 27712; score 0 (Durham, NC), climate 89 (Durham, NC): 27707; score 0 (Durham, NC), climate 86 (Durham, NC): 27705; score 0 (Durham, NC), climate 82 (Durham, NC): 27278, 27713; score 0 (Durham, NC), climate 74 (Durham, NC): 27517; score 0 (Durham, NC), climate 64 (Durham, NC): 27572.
DLRadar rescores Durham, NC monthly; Durham, NC readings join Durham, NC foreclosure, lien and ownership parcels (Durham, NC), so cost-squeezed Durham, NC owners surface before listing.
Inside North Carolina, Durham County ranks 25th of 100 counties for home-insurance distress at 86/100; Ashe County (86/100) sits just above Durham County, and Cabarrus County (85/100) sits just below Durham County.
Deterministic. Every Durham County, NC signal traces to a public Durham dataset (FEMA, NFIP, Census for Durham, NC) · how insurance distress works in Durham, NC · methodology
FAQ: Durham County, NC insurance distress
What is the Durham County, NC home-insurance-distress score?
Durham, NC: 86/100 (HIGH), #214 of 3,222, #21 in North Carolina. FEMA hazard, Durham, NC: 78/100; NFIP stress, Durham, NC: 97/100; construction, Durham, NC: 2/100; Durham, NC rescores monthly.
Is Durham County insurance distress getting better or worse (NC)?
Durham, NC: 91 in March 2026; Durham, NC: 85 in October 2026 (better); Durham, NC climate component 77; Durham, NC NFIP claims score 97.
How many flood-insurance claims has Durham County, NC had?
Durham, NC: 78 NFIP claims, three years; Durham, NC paid $6,038,231; per Durham, NC claim $77,413; carriers reprice Durham, NC against that record.
Which Durham County ZIP codes carry the most insurance distress (NC)?
Durham, NC, June 2026: 27560 at 0, 27613 at 0, 27617 at 0, 27503 at 0; Durham, NC climate scores there: 96, 96, 96, 90.
Why does Durham, NC insurance distress create sellers?
A Durham, NC premium outruns the Durham, NC budget; a carrier leaves Durham, NC; Durham, NC carrying cost passes plan; Durham, NC owners sell while current; Durham, NC insurance distress leads Durham, NC foreclosure data.