Macon County, NC: Home-Insurance Distress & Forced-Sale Pressure
Macon County, NC: 81/100 (severe) home-insurance distress; Macon, NC band HIGH; Macon, NC #324 of 3,222 counties; Macon, NC #42 of 100 in North Carolina.
FEMA hazard, Macon, NC: 78/100; Macon, NC declarations, three years: 6; Macon, NC perils: 4 tropical-storm; Macon, NC five-year count 9 (severity 15.0); Macon, NC ten-year 9; hazard-weighted, Macon, NC: 12.0.
Declared incidents on the Macon, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Macon, NC).
NFIP claims, Macon, NC, three years: 14; Macon, NC payouts $492,252; per Macon, NC claim $35,161; Macon, NC claim-stress 85/100.
Macon, NC monthly score fell, 87 (March 2026) to 80 (October 2026); Macon, NC by month: March 87, April 87, May 85, June 85 (Macon, NC), July 82, August 85, September 82, October 80.
Macon, NC components: climate 77, NFIP claims 85; Macon, NC retreat index 80.
Construction distress, Macon, NC: 61/100 as of August 2026 (Macon, NC: 61/100 one-to-four unit, 0/100 multifamily).
Macon, NC ZIPs, June 2026 (Macon, NC, 6 highest): score 0 (Macon, NC), climate 71 (Macon, NC): 28741; score 0 (Macon, NC), climate 70 (Macon, NC): 28734, 28763, 28775, 28781; score 0 (Macon, NC), climate 42 (Macon, NC): 28713.
DLRadar rescores Macon, NC monthly; Macon, NC readings join Macon, NC foreclosure, lien and ownership parcels (Macon, NC), so cost-squeezed Macon, NC owners surface before listing.
Inside North Carolina, Macon County ranks 42nd of 100 counties for home-insurance distress at 81/100; Currituck County (81/100) sits just above Macon County, and Cherokee County (81/100) sits just below Macon County.
Deterministic. Every Macon County, NC signal traces to a public Macon dataset (FEMA, NFIP, Census for Macon, NC) · how insurance distress works in Macon, NC · methodology
FAQ: Macon County, NC insurance distress
What is the Macon County, NC home-insurance-distress score?
Macon, NC: 81/100 (HIGH), #324 of 3,222, #42 in North Carolina. FEMA hazard, Macon, NC: 78/100; NFIP stress, Macon, NC: 85/100; construction, Macon, NC: 61/100; Macon, NC rescores monthly.
Is Macon County insurance distress getting better or worse (NC)?
Macon, NC: 87 in March 2026; Macon, NC: 80 in October 2026 (better); Macon, NC climate component 77; Macon, NC NFIP claims score 85.
How many flood-insurance claims has Macon County, NC had?
Macon, NC: 14 NFIP claims, three years; Macon, NC paid $492,252; per Macon, NC claim $35,161; carriers reprice Macon, NC against that record.
Which Macon County ZIP codes carry the most insurance distress (NC)?
Macon, NC, June 2026: 28741 at 0, 28734 at 0, 28763 at 0, 28775 at 0; Macon, NC climate scores there: 71, 70, 70, 70.
Why does Macon, NC insurance distress create sellers?
A Macon, NC premium outruns the Macon, NC budget; a carrier leaves Macon, NC; Macon, NC carrying cost passes plan; Macon, NC owners sell while current; Macon, NC insurance distress leads Macon, NC foreclosure data.