Polk County, NC: Home-Insurance Distress & Forced-Sale Pressure
Polk County, NC: 95/100 (severe) home-insurance distress; Polk, NC band HIGH; Polk, NC #41 of 3,222 counties; Polk, NC #4 of 100 in North Carolina.
FEMA hazard, Polk, NC: 94/100; Polk, NC declarations, three years: 12; Polk, NC perils: 6 tropical-storm, 3 fire; Polk, NC five-year count 12 (severity 21.0); Polk, NC ten-year 12; hazard-weighted, Polk, NC: 24.0.
Declared incidents on the Polk, NC record: 2026 Winter Storm 2; 2025 Fire 2 (Polk, NC); 2024 Tropical Storm 4 (Polk, NC).
NFIP claims, Polk, NC, three years: 31; Polk, NC payouts $3,379,080; per Polk, NC claim $109,003; Polk, NC claim-stress 95/100.
Polk, NC monthly score fell, 93 (March 2026) to 91 (October 2026); Polk, NC by month: March 93, April 93, May 93, June 93 (Polk, NC), July 90, August 92, September 92, October 91.
Polk, NC components: climate 88, NFIP claims 95; Polk, NC retreat index 91.
Construction distress, Polk, NC: 50/100 as of August 2026 (Polk, NC: 62/100 one-to-four unit, 28/100 multifamily).
Polk, NC ZIPs, June 2026 (Polk, NC, 7 highest): score 0 (Polk, NC), climate 82 (Polk, NC): 28792; score 0 (Polk, NC), climate 72 (Polk, NC): 28731; score 0 (Polk, NC), climate 64 (Polk, NC): 28139; score 0 (Polk, NC), climate 45 (Polk, NC): 28773; score 0 (Polk, NC), climate 32 (Polk, NC): 28722, 28756, 28782.
DLRadar rescores Polk, NC monthly; Polk, NC readings join Polk, NC foreclosure, lien and ownership parcels (Polk, NC), so cost-squeezed Polk, NC owners surface before listing.
Inside North Carolina, Polk County ranks 4th of 100 counties for home-insurance distress at 95/100; Transylvania County (95/100) sits just above Polk County, and New Hanover County (95/100) sits just below Polk County.
Deterministic. Every Polk County, NC signal traces to a public Polk dataset (FEMA, NFIP, Census for Polk, NC) · how insurance distress works in Polk, NC · methodology
FAQ: Polk County, NC insurance distress
What is the Polk County, NC home-insurance-distress score?
Polk, NC: 95/100 (HIGH), #41 of 3,222, #4 in North Carolina. FEMA hazard, Polk, NC: 94/100; NFIP stress, Polk, NC: 95/100; construction, Polk, NC: 50/100; Polk, NC rescores monthly.
Is Polk County insurance distress getting better or worse (NC)?
Polk, NC: 93 in March 2026; Polk, NC: 91 in October 2026 (better); Polk, NC climate component 88; Polk, NC NFIP claims score 95.
How many flood-insurance claims has Polk County, NC had?
Polk, NC: 31 NFIP claims, three years; Polk, NC paid $3,379,080; per Polk, NC claim $109,003; carriers reprice Polk, NC against that record.
Which Polk County ZIP codes carry the most insurance distress (NC)?
Polk, NC, June 2026: 28792 at 0, 28731 at 0, 28139 at 0, 28773 at 0; Polk, NC climate scores there: 82, 72, 64, 45.
Why does Polk, NC insurance distress create sellers?
A Polk, NC premium outruns the Polk, NC budget; a carrier leaves Polk, NC; Polk, NC carrying cost passes plan; Polk, NC owners sell while current; Polk, NC insurance distress leads Polk, NC foreclosure data.