Graham County, NC: Home-Insurance Distress & Forced-Sale Pressure
Graham County, NC: 40/100 (moderate) home-insurance distress; Graham, NC band LOW; Graham, NC #1,314 of 3,222 counties; Graham, NC #93 of 100 in North Carolina; raw Graham, NC 52.0; Graham, NC coverage multiplier 0.85.
FEMA hazard, Graham, NC: 78/100; Graham, NC declarations, three years: 9; Graham, NC perils: 6 tropical-storm; Graham, NC five-year count 9 (severity 15.0); Graham, NC ten-year 9; hazard-weighted, Graham, NC: 18.0.
Declared incidents on the Graham, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Graham, NC).
NFIP claims, Graham, NC, three years: none; Graham, NC claim-stress 0/100.
Graham, NC monthly score fell, 45 (March 2026) to 39 (October 2026); Graham, NC by month: March 45, April 45, May 44, June 44 (Graham, NC), July 41, August 43, September 40, October 39.
Graham, NC components: climate 77; Graham, NC retreat index 39; Graham, NC climate multiplier 0.85.
Construction distress, Graham, NC: 27/100 as of August 2026 (Graham, NC: 26/100 one-to-four unit, 50/100 multifamily).
Graham, NC ZIPs, June 2026 (Graham, NC, 3 highest): score 0 (Graham, NC), climate 19 (Graham, NC): 28702; score 0 (Graham, NC), climate 18 (Graham, NC): 28733, 28771.
DLRadar rescores Graham, NC monthly; Graham, NC readings join Graham, NC foreclosure, lien and ownership parcels (Graham, NC), so cost-squeezed Graham, NC owners surface before listing.
Inside North Carolina, Graham County ranks 93rd of 100 counties for home-insurance distress at 40/100; Gates County (40/100) sits just above Graham County, and Granville County (40/100) sits just below Graham County.
Deterministic. Every Graham County, NC signal traces to a public Graham dataset (FEMA, NFIP, Census for Graham, NC) · how insurance distress works in Graham, NC · methodology
FAQ: Graham County, NC insurance distress
What is the Graham County, NC home-insurance-distress score?
Graham, NC: 40/100 (LOW), #1,314 of 3,222, #93 in North Carolina. FEMA hazard, Graham, NC: 78/100; NFIP stress, Graham, NC: 0/100; construction, Graham, NC: 27/100; Graham, NC rescores monthly.
Is Graham County insurance distress getting better or worse (NC)?
Graham, NC: 45 in March 2026; Graham, NC: 39 in October 2026 (better); Graham, NC climate component 77.
Which Graham County ZIP codes carry the most insurance distress (NC)?
Graham, NC, June 2026: 28702 at 0, 28733 at 0, 28771 at 0; Graham, NC climate scores there: 19, 18, 18.
Why does Graham, NC insurance distress create sellers?
A Graham, NC premium outruns the Graham, NC budget; a carrier leaves Graham, NC; Graham, NC carrying cost passes plan; Graham, NC owners sell while current; Graham, NC insurance distress leads Graham, NC foreclosure data.