Harnett County, NC: Home-Insurance Distress & Forced-Sale Pressure
Harnett County, NC: 72/100 (severe) home-insurance distress; Harnett, NC band MEDIUM; Harnett, NC #572 of 3,222 counties; Harnett, NC #66 of 100 in North Carolina.
FEMA hazard, Harnett, NC: 78/100; Harnett, NC declarations, three years: 6; Harnett, NC perils: 4 tropical-storm; Harnett, NC five-year count 9 (severity 15.0); Harnett, NC ten-year 9; hazard-weighted, Harnett, NC: 12.0.
Declared incidents on the Harnett, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Harnett, NC).
NFIP claims, Harnett, NC, three years: 5; Harnett, NC payouts $19,052; per Harnett, NC claim $3,810; Harnett, NC claim-stress 64/100.
Harnett, NC monthly score fell, 80 (March 2026) to 72 (October 2026); Harnett, NC by month: March 80, April 80, May 78, June 78 (Harnett, NC), July 75, August 77, September 74, October 72.
Harnett, NC components: climate 77, NFIP claims 64; Harnett, NC retreat index 72.
Construction distress, Harnett, NC: 27/100 as of August 2026 (Harnett, NC: 25/100 one-to-four unit, 19/100 multifamily).
Harnett, NC ZIPs, June 2026 (Harnett, NC, 16 highest): score 0 (Harnett, NC), climate 92 (Harnett, NC): 27592; score 0 (Harnett, NC), climate 91 (Harnett, NC): 27540; score 0 (Harnett, NC), climate 87 (Harnett, NC): 28356; score 0 (Harnett, NC), climate 86 (Harnett, NC): 27504; score 0 (Harnett, NC), climate 85 (Harnett, NC): 27526; score 0 (Harnett, NC), climate 84 (Harnett, NC): 28334; score 0 (Harnett, NC), climate 83 (Harnett, NC): 28390; score 0 (Harnett, NC), climate 80 (Harnett, NC): 27501; score 0 (Harnett, NC), climate 77 (Harnett, NC): 27506, 27521, 27546, 28323, Harnett, NC 28339, 28368; score 0 (Harnett, NC), climate 76 (Harnett, NC): 27505; score 0 (Harnett, NC), climate 75 (Harnett, NC): 28326.
DLRadar rescores Harnett, NC monthly; Harnett, NC readings join Harnett, NC foreclosure, lien and ownership parcels (Harnett, NC), so cost-squeezed Harnett, NC owners surface before listing.
Inside North Carolina, Harnett County ranks 66th of 100 counties for home-insurance distress at 72/100; Franklin County (73/100) sits just above Harnett County, and Pasquotank County (72/100) sits just below Harnett County.
Deterministic. Every Harnett County, NC signal traces to a public Harnett dataset (FEMA, NFIP, Census for Harnett, NC) · how insurance distress works in Harnett, NC · methodology
FAQ: Harnett County, NC insurance distress
What is the Harnett County, NC home-insurance-distress score?
Harnett, NC: 72/100 (MEDIUM), #572 of 3,222, #66 in North Carolina. FEMA hazard, Harnett, NC: 78/100; NFIP stress, Harnett, NC: 64/100; construction, Harnett, NC: 27/100; Harnett, NC rescores monthly.
Is Harnett County insurance distress getting better or worse (NC)?
Harnett, NC: 80 in March 2026; Harnett, NC: 72 in October 2026 (better); Harnett, NC climate component 77; Harnett, NC NFIP claims score 64.
How many flood-insurance claims has Harnett County, NC had?
Harnett, NC: 5 NFIP claims, three years; Harnett, NC paid $19,052; per Harnett, NC claim $3,810; carriers reprice Harnett, NC against that record.
Which Harnett County ZIP codes carry the most insurance distress (NC)?
Harnett, NC, June 2026: 27592 at 0, 27540 at 0, 28356 at 0, 27504 at 0; Harnett, NC climate scores there: 92, 91, 87, 86.
Why does Harnett, NC insurance distress create sellers?
A Harnett, NC premium outruns the Harnett, NC budget; a carrier leaves Harnett, NC; Harnett, NC carrying cost passes plan; Harnett, NC owners sell while current; Harnett, NC insurance distress leads Harnett, NC foreclosure data.