Gates County, NC: Home-Insurance Distress & Forced-Sale Pressure
Gates County, NC: 40/100 (moderate) home-insurance distress; Gates, NC band LOW; Gates, NC #1,313 of 3,222 counties; Gates, NC #92 of 100 in North Carolina; raw Gates, NC 52.0; Gates, NC coverage multiplier 0.85.
FEMA hazard, Gates, NC: 78/100; Gates, NC declarations, three years: 9; Gates, NC perils: 6 tropical-storm; Gates, NC five-year count 9 (severity 15.0); Gates, NC ten-year 9; hazard-weighted, Gates, NC: 18.0.
Declared incidents on the Gates, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Gates, NC).
NFIP claims, Gates, NC, three years: none; Gates, NC claim-stress 0/100.
Gates, NC monthly score fell, 45 (March 2026) to 39 (October 2026); Gates, NC by month: March 45, April 45, May 44, June 44 (Gates, NC), July 41, August 43, September 40, October 39.
Gates, NC components: climate 77; Gates, NC retreat index 39; Gates, NC climate multiplier 0.85.
Construction distress, Gates, NC: 56/100 as of August 2026 (Gates, NC: 56/100 one-to-four unit, 0/100 multifamily).
Gates, NC ZIPs, June 2026 (Gates, NC, 7 highest): score 0 (Gates, NC), climate 14 (Gates, NC): 27946; score 0 (Gates, NC), climate 11 (Gates, NC): 27926, 27935, 27937, 27938, Gates, NC 27969, 27979.
DLRadar rescores Gates, NC monthly; Gates, NC readings join Gates, NC foreclosure, lien and ownership parcels (Gates, NC), so cost-squeezed Gates, NC owners surface before listing.
Inside North Carolina, Gates County ranks 92nd of 100 counties for home-insurance distress at 40/100; Davie County (40/100) sits just above Gates County, and Graham County (40/100) sits just below Gates County.
Deterministic. Every Gates County, NC signal traces to a public Gates dataset (FEMA, NFIP, Census for Gates, NC) · how insurance distress works in Gates, NC · methodology
FAQ: Gates County, NC insurance distress
What is the Gates County, NC home-insurance-distress score?
Gates, NC: 40/100 (LOW), #1,313 of 3,222, #92 in North Carolina. FEMA hazard, Gates, NC: 78/100; NFIP stress, Gates, NC: 0/100; construction, Gates, NC: 56/100; Gates, NC rescores monthly.
Is Gates County insurance distress getting better or worse (NC)?
Gates, NC: 45 in March 2026; Gates, NC: 39 in October 2026 (better); Gates, NC climate component 77.
Which Gates County ZIP codes carry the most insurance distress (NC)?
Gates, NC, June 2026: 27946 at 0, 27926 at 0, 27935 at 0, 27937 at 0; Gates, NC climate scores there: 14, 11, 11, 11.
Why does Gates, NC insurance distress create sellers?
A Gates, NC premium outruns the Gates, NC budget; a carrier leaves Gates, NC; Gates, NC carrying cost passes plan; Gates, NC owners sell while current; Gates, NC insurance distress leads Gates, NC foreclosure data.