Richmond County, NC: Home-Insurance Distress & Forced-Sale Pressure
Richmond County, NC: 53/100 (elevated) home-insurance distress; Richmond, NC band MEDIUM; Richmond, NC #1,041 of 3,222 counties; Richmond, NC #86 of 100 in North Carolina; raw Richmond, NC 58.1.
FEMA hazard, Richmond, NC: 78/100; Richmond, NC declarations, three years: 9; Richmond, NC perils: 6 tropical-storm; Richmond, NC five-year count 9 (severity 15.0); Richmond, NC ten-year 9; hazard-weighted, Richmond, NC: 18.0.
Declared incidents on the Richmond, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Richmond, NC).
NFIP claims, Richmond, NC, three years: 1; Richmond, NC payouts $0; per Richmond, NC claim $0; Richmond, NC claim-stress 15/100.
Richmond, NC monthly score fell, 60 (March 2026) to 52 (October 2026); Richmond, NC by month: March 60, April 60, May 58, June 58 (Richmond, NC), July 55, August 57, September 54, October 52.
Richmond, NC components: climate 77, NFIP claims 15; Richmond, NC retreat index 52.
Construction distress, Richmond, NC: 5/100 as of August 2026 (Richmond, NC: 21/100 one-to-four unit, 0/100 multifamily).
Richmond, NC ZIPs, June 2026 (Richmond, NC, 11 highest): score 0 (Richmond, NC), climate 65 (Richmond, NC): 27281; score 0 (Richmond, NC), climate 60 (Richmond, NC): 28347; score 0 (Richmond, NC), climate 57 (Richmond, NC): 28330, 28338, 28345, 28367, Richmond, NC 28379; score 0 (Richmond, NC), climate 56 (Richmond, NC): 28351, 28363; score 0 (Richmond, NC), climate 48 (Richmond, NC): 27306; score 0 (Richmond, NC), climate 45 (Richmond, NC): 27229.
DLRadar rescores Richmond, NC monthly; Richmond, NC readings join Richmond, NC foreclosure, lien and ownership parcels (Richmond, NC), so cost-squeezed Richmond, NC owners surface before listing.
Inside North Carolina, Richmond County ranks 86th of 100 counties for home-insurance distress at 53/100; Hertford County (53/100) sits just above Richmond County, and Rowan County (46/100) sits just below Richmond County.
Deterministic. Every Richmond County, NC signal traces to a public Richmond dataset (FEMA, NFIP, Census for Richmond, NC) · how insurance distress works in Richmond, NC · methodology
FAQ: Richmond County, NC insurance distress
What is the Richmond County, NC home-insurance-distress score?
Richmond, NC: 53/100 (MEDIUM), #1,041 of 3,222, #86 in North Carolina. FEMA hazard, Richmond, NC: 78/100; NFIP stress, Richmond, NC: 15/100; construction, Richmond, NC: 5/100; Richmond, NC rescores monthly.
Is Richmond County insurance distress getting better or worse (NC)?
Richmond, NC: 60 in March 2026; Richmond, NC: 52 in October 2026 (better); Richmond, NC climate component 77; Richmond, NC NFIP claims score 15.
How many flood-insurance claims has Richmond County, NC had?
Richmond, NC: 1 NFIP claims, three years; Richmond, NC paid $0; per Richmond, NC claim $0; carriers reprice Richmond, NC against that record.
Which Richmond County ZIP codes carry the most insurance distress (NC)?
Richmond, NC, June 2026: 27281 at 0, 28347 at 0, 28330 at 0, 28338 at 0; Richmond, NC climate scores there: 65, 60, 57, 57.
Why does Richmond, NC insurance distress create sellers?
A Richmond, NC premium outruns the Richmond, NC budget; a carrier leaves Richmond, NC; Richmond, NC carrying cost passes plan; Richmond, NC owners sell while current; Richmond, NC insurance distress leads Richmond, NC foreclosure data.