Henderson County, NC: Home-Insurance Distress & Forced-Sale Pressure
Henderson County, NC: 86/100 (severe) home-insurance distress; Henderson, NC band HIGH; Henderson, NC #186 of 3,222 counties; Henderson, NC #13 of 100 in North Carolina.
FEMA hazard, Henderson, NC: 78/100; Henderson, NC declarations, three years: 6; Henderson, NC perils: 4 tropical-storm; Henderson, NC five-year count 9 (severity 15.0); Henderson, NC ten-year 9; hazard-weighted, Henderson, NC: 12.0.
Declared incidents on the Henderson, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Henderson, NC).
NFIP claims, Henderson, NC, three years: 220; Henderson, NC payouts $26,935,953; per Henderson, NC claim $122,436; Henderson, NC claim-stress 99/100.
Henderson, NC monthly score fell, 92 (March 2026) to 86 (October 2026); Henderson, NC by month: March 92, April 92, May 91, June 91 (Henderson, NC), July 88, August 90, September 87, October 86.
Henderson, NC components: climate 77, NFIP claims 99; Henderson, NC retreat index 86.
Construction distress, Henderson, NC: 4/100 as of August 2026 (Henderson, NC: 73/100 one-to-four unit, 0/100 multifamily).
Henderson, NC ZIPs, June 2026 (Henderson, NC, 16 highest): score 0 (Henderson, NC), climate 89 (Henderson, NC): 28704; score 0 (Henderson, NC), climate 85 (Henderson, NC): 28732; score 0 (Henderson, NC), climate 84 (Henderson, NC): 28711; score 0 (Henderson, NC), climate 82 (Henderson, NC): 28710, 28726, 28729, 28735, Henderson, NC 28742, 28758, 28759, 28790, Henderson, NC 28791, 28792; score 0 (Henderson, NC), climate 81 (Henderson, NC): 28739; score 0 (Henderson, NC), climate 72 (Henderson, NC): 28731; score 0 (Henderson, NC), climate 63 (Henderson, NC): 28766.
DLRadar rescores Henderson, NC monthly; Henderson, NC readings join Henderson, NC foreclosure, lien and ownership parcels (Henderson, NC), so cost-squeezed Henderson, NC owners surface before listing.
Inside North Carolina, Henderson County ranks 13th of 100 counties for home-insurance distress at 86/100; Carteret County (86/100) sits just above Henderson County, and Stanly County (86/100) sits just below Henderson County.
Deterministic. Every Henderson County, NC signal traces to a public Henderson dataset (FEMA, NFIP, Census for Henderson, NC) · how insurance distress works in Henderson, NC · methodology
FAQ: Henderson County, NC insurance distress
What is the Henderson County, NC home-insurance-distress score?
Henderson, NC: 86/100 (HIGH), #186 of 3,222, #13 in North Carolina. FEMA hazard, Henderson, NC: 78/100; NFIP stress, Henderson, NC: 99/100; construction, Henderson, NC: 4/100; Henderson, NC rescores monthly.
Is Henderson County insurance distress getting better or worse (NC)?
Henderson, NC: 92 in March 2026; Henderson, NC: 86 in October 2026 (better); Henderson, NC climate component 77; Henderson, NC NFIP claims score 99.
How many flood-insurance claims has Henderson County, NC had?
Henderson, NC: 220 NFIP claims, three years; Henderson, NC paid $26,935,953; per Henderson, NC claim $122,436; carriers reprice Henderson, NC against that record.
Which Henderson County ZIP codes carry the most insurance distress (NC)?
Henderson, NC, June 2026: 28704 at 0, 28732 at 0, 28711 at 0, 28710 at 0; Henderson, NC climate scores there: 89, 85, 84, 82.
Why does Henderson, NC insurance distress create sellers?
A Henderson, NC premium outruns the Henderson, NC budget; a carrier leaves Henderson, NC; Henderson, NC carrying cost passes plan; Henderson, NC owners sell while current; Henderson, NC insurance distress leads Henderson, NC foreclosure data.