Pender County, NC: Home-Insurance Distress & Forced-Sale Pressure
Pender County, NC: 78/100 (severe) home-insurance distress; Pender, NC band MEDIUM; Pender, NC #434 of 3,222 counties; Pender, NC #54 of 100 in North Carolina.
FEMA hazard, Pender, NC: 78/100; Pender, NC declarations, three years: 6; Pender, NC perils: 4 tropical-storm; Pender, NC five-year count 9 (severity 15.0); Pender, NC ten-year 9; hazard-weighted, Pender, NC: 12.0.
Declared incidents on the Pender, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Pender, NC).
NFIP claims, Pender, NC, three years: 17; Pender, NC payouts $187,445; per Pender, NC claim $11,026; Pender, NC claim-stress 77/100.
Pender, NC monthly score fell, 84 (March 2026) to 77 (October 2026); Pender, NC by month: March 84, April 84, May 83, June 83 (Pender, NC), July 80, August 82, September 79, October 77.
Pender, NC components: climate 77, NFIP claims 77; Pender, NC retreat index 77.
Construction distress, Pender, NC: 32/100 as of August 2026 (Pender, NC: 67/100 one-to-four unit, 2/100 multifamily).
Pender, NC ZIPs, June 2026 (Pender, NC, 13 highest): score 0 (Pender, NC), climate 95 (Pender, NC): 28401, 28411, 28445; score 0 (Pender, NC), climate 92 (Pender, NC): 28454; score 0 (Pender, NC), climate 87 (Pender, NC): 28421, 28425, 28435, 28443, Pender, NC 28457, 28466, 28478; score 0 (Pender, NC), climate 85 (Pender, NC): 28447; score 0 (Pender, NC), climate 82 (Pender, NC): 28448.
DLRadar rescores Pender, NC monthly; Pender, NC readings join Pender, NC foreclosure, lien and ownership parcels (Pender, NC), so cost-squeezed Pender, NC owners surface before listing.
Inside North Carolina, Pender County ranks 54th of 100 counties for home-insurance distress at 78/100; Hyde County (78/100) sits just above Pender County, and Scotland County (77/100) sits just below Pender County.
Deterministic. Every Pender County, NC signal traces to a public Pender dataset (FEMA, NFIP, Census for Pender, NC) · how insurance distress works in Pender, NC · methodology
FAQ: Pender County, NC insurance distress
What is the Pender County, NC home-insurance-distress score?
Pender, NC: 78/100 (MEDIUM), #434 of 3,222, #54 in North Carolina. FEMA hazard, Pender, NC: 78/100; NFIP stress, Pender, NC: 77/100; construction, Pender, NC: 32/100; Pender, NC rescores monthly.
Is Pender County insurance distress getting better or worse (NC)?
Pender, NC: 84 in March 2026; Pender, NC: 77 in October 2026 (better); Pender, NC climate component 77; Pender, NC NFIP claims score 77.
How many flood-insurance claims has Pender County, NC had?
Pender, NC: 17 NFIP claims, three years; Pender, NC paid $187,445; per Pender, NC claim $11,026; carriers reprice Pender, NC against that record.
Which Pender County ZIP codes carry the most insurance distress (NC)?
Pender, NC, June 2026: 28401 at 0, 28411 at 0, 28445 at 0, 28454 at 0; Pender, NC climate scores there: 95, 95, 95, 92.
Why does Pender, NC insurance distress create sellers?
A Pender, NC premium outruns the Pender, NC budget; a carrier leaves Pender, NC; Pender, NC carrying cost passes plan; Pender, NC owners sell while current; Pender, NC insurance distress leads Pender, NC foreclosure data.