Scotland County, NC: Home-Insurance Distress & Forced-Sale Pressure
Scotland County, NC: 77/100 (severe) home-insurance distress; Scotland, NC band MEDIUM; Scotland, NC #452 of 3,222 counties; Scotland, NC #55 of 100 in North Carolina; raw Scotland, NC 82.1.
FEMA hazard, Scotland, NC: 78/100; Scotland, NC declarations, three years: 9; Scotland, NC perils: 6 tropical-storm; Scotland, NC five-year count 9 (severity 15.0); Scotland, NC ten-year 9; hazard-weighted, Scotland, NC: 18.0.
Declared incidents on the Scotland, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Scotland, NC).
NFIP claims, Scotland, NC, three years: 2; Scotland, NC payouts $113,882; per Scotland, NC claim $56,941; Scotland, NC claim-stress 75/100.
Scotland, NC monthly score fell, 84 (March 2026) to 76 (October 2026); Scotland, NC by month: March 84, April 84, May 82, June 82 (Scotland, NC), July 79, August 81, September 78, October 76.
Scotland, NC components: climate 77, NFIP claims 75; Scotland, NC retreat index 76.
Construction distress, Scotland, NC: 6/100 as of August 2026 (Scotland, NC: 8/100 one-to-four unit, 1/100 multifamily).
Scotland, NC ZIPs, June 2026 (Scotland, NC, 7 highest): score 0 (Scotland, NC), climate 86 (Scotland, NC): 28364; score 0 (Scotland, NC), climate 57 (Scotland, NC): 28345; score 0 (Scotland, NC), climate 56 (Scotland, NC): 28343, 28351, 28352, 28363, Scotland, NC 28396.
DLRadar rescores Scotland, NC monthly; Scotland, NC readings join Scotland, NC foreclosure, lien and ownership parcels (Scotland, NC), so cost-squeezed Scotland, NC owners surface before listing.
Inside North Carolina, Scotland County ranks 55th of 100 counties for home-insurance distress at 77/100; Pender County (78/100) sits just above Scotland County, and Craven County (77/100) sits just below Scotland County.
Deterministic. Every Scotland County, NC signal traces to a public Scotland dataset (FEMA, NFIP, Census for Scotland, NC) · how insurance distress works in Scotland, NC · methodology
FAQ: Scotland County, NC insurance distress
What is the Scotland County, NC home-insurance-distress score?
Scotland, NC: 77/100 (MEDIUM), #452 of 3,222, #55 in North Carolina. FEMA hazard, Scotland, NC: 78/100; NFIP stress, Scotland, NC: 75/100; construction, Scotland, NC: 6/100; Scotland, NC rescores monthly.
Is Scotland County insurance distress getting better or worse (NC)?
Scotland, NC: 84 in March 2026; Scotland, NC: 76 in October 2026 (better); Scotland, NC climate component 77; Scotland, NC NFIP claims score 75.
How many flood-insurance claims has Scotland County, NC had?
Scotland, NC: 2 NFIP claims, three years; Scotland, NC paid $113,882; per Scotland, NC claim $56,941; carriers reprice Scotland, NC against that record.
Which Scotland County ZIP codes carry the most insurance distress (NC)?
Scotland, NC, June 2026: 28364 at 0, 28345 at 0, 28343 at 0, 28351 at 0; Scotland, NC climate scores there: 86, 57, 56, 56.
Why does Scotland, NC insurance distress create sellers?
A Scotland, NC premium outruns the Scotland, NC budget; a carrier leaves Scotland, NC; Scotland, NC carrying cost passes plan; Scotland, NC owners sell while current; Scotland, NC insurance distress leads Scotland, NC foreclosure data.