Orange County, NC: Home-Insurance Distress & Forced-Sale Pressure
Orange County, NC: 86/100 (severe) home-insurance distress; Orange, NC band HIGH; Orange, NC #190 of 3,222 counties; Orange, NC #15 of 100 in North Carolina.
FEMA hazard, Orange, NC: 78/100; Orange, NC declarations, three years: 8; Orange, NC perils: 4 tropical-storm; Orange, NC five-year count 12 (severity 21.0); Orange, NC ten-year 12; hazard-weighted, Orange, NC: 12.0.
Declared incidents on the Orange, NC record: 2026 Winter Storm 2; 2025 Tropical Depression 2 (Orange, NC); 2024 Tropical Storm 4 (Orange, NC).
NFIP claims, Orange, NC, three years: 185; Orange, NC payouts $21,754,809; per Orange, NC claim $117,594; Orange, NC claim-stress 99/100.
Orange, NC monthly score fell, 92 (March 2026) to 86 (October 2026); Orange, NC by month: March 92, April 92, May 91, June 91 (Orange, NC), July 88, August 90, September 87, October 86.
Orange, NC components: climate 77, NFIP claims 99; Orange, NC retreat index 86.
Construction distress, Orange, NC: 2/100 as of August 2026 (Orange, NC: 49/100 one-to-four unit, 0/100 multifamily).
Orange, NC ZIPs, June 2026 (Orange, NC, 15 highest): score 0 (Orange, NC), climate 90 (Orange, NC): 27712; score 0 (Orange, NC), climate 89 (Orange, NC): 27707; score 0 (Orange, NC), climate 86 (Orange, NC): 27705; score 0 (Orange, NC), climate 82 (Orange, NC): 27278; score 0 (Orange, NC), climate 81 (Orange, NC): 27243, 27510, 27514, 27599; score 0 (Orange, NC), climate 80 (Orange, NC): 27231; score 0 (Orange, NC), climate 79 (Orange, NC): 27516; score 0 (Orange, NC), climate 74 (Orange, NC): 27517; score 0 (Orange, NC), climate 66 (Orange, NC): 27302; score 0 (Orange, NC), climate 64 (Orange, NC): 27572; score 0 (Orange, NC), climate 52 (Orange, NC): 27541; score 0 (Orange, NC), climate 40 (Orange, NC): 27583.
DLRadar rescores Orange, NC monthly; Orange, NC readings join Orange, NC foreclosure, lien and ownership parcels (Orange, NC), so cost-squeezed Orange, NC owners surface before listing.
Inside North Carolina, Orange County ranks 15th of 100 counties for home-insurance distress at 86/100; Stanly County (86/100) sits just above Orange County, and Avery County (86/100) sits just below Orange County.
Deterministic. Every Orange County, NC signal traces to a public Orange dataset (FEMA, NFIP, Census for Orange, NC) · how insurance distress works in Orange, NC · methodology
FAQ: Orange County, NC insurance distress
What is the Orange County, NC home-insurance-distress score?
Orange, NC: 86/100 (HIGH), #190 of 3,222, #15 in North Carolina. FEMA hazard, Orange, NC: 78/100; NFIP stress, Orange, NC: 99/100; construction, Orange, NC: 2/100; Orange, NC rescores monthly.
Is Orange County insurance distress getting better or worse (NC)?
Orange, NC: 92 in March 2026; Orange, NC: 86 in October 2026 (better); Orange, NC climate component 77; Orange, NC NFIP claims score 99.
How many flood-insurance claims has Orange County, NC had?
Orange, NC: 185 NFIP claims, three years; Orange, NC paid $21,754,809; per Orange, NC claim $117,594; carriers reprice Orange, NC against that record.
Which Orange County ZIP codes carry the most insurance distress (NC)?
Orange, NC, June 2026: 27712 at 0, 27707 at 0, 27705 at 0, 27278 at 0; Orange, NC climate scores there: 90, 89, 86, 82.
Why does Orange, NC insurance distress create sellers?
A Orange, NC premium outruns the Orange, NC budget; a carrier leaves Orange, NC; Orange, NC carrying cost passes plan; Orange, NC owners sell while current; Orange, NC insurance distress leads Orange, NC foreclosure data.