Swain County, NC: Home-Insurance Distress & Forced-Sale Pressure
Swain County, NC: 89/100 (severe) home-insurance distress; Swain, NC band HIGH; Swain, NC #129 of 3,222 counties; Swain, NC #11 of 100 in North Carolina; raw Swain, NC 91.3.
FEMA hazard, Swain, NC: 93/100; Swain, NC declarations, three years: 15; Swain, NC perils: 6 tropical-storm, 4 fire; Swain, NC five-year count 15 (severity 27.0); Swain, NC ten-year 15; hazard-weighted, Swain, NC: 30.0.
Declared incidents on the Swain, NC record: 2026 Winter Storm 2; 2025 Fire 4 (Swain, NC); 2024 Tropical Storm 4 (Swain, NC).
NFIP claims, Swain, NC, three years: 8; Swain, NC payouts $350,203; per Swain, NC claim $43,775; Swain, NC claim-stress 84/100.
Swain, NC monthly score fell, 91 (March 2026) to 89 (October 2026); Swain, NC by month: March 91, April 91, May 90, June 90 (Swain, NC), July 88, August 90, September 90, October 89.
Swain, NC components: climate 92, NFIP claims 84; Swain, NC retreat index 89.
Construction distress, Swain, NC: 47/100 as of August 2026 (Swain, NC: 46/100 one-to-four unit, 75/100 multifamily).
Swain, NC ZIPs, June 2026 (Swain, NC, 5 highest): score 0 (Swain, NC), climate 66 (Swain, NC): 28789; score 0 (Swain, NC), climate 44 (Swain, NC): 28719; score 0 (Swain, NC), climate 42 (Swain, NC): 28713; score 0 (Swain, NC), climate 19 (Swain, NC): 28702; score 0 (Swain, NC), climate 18 (Swain, NC): 28771.
DLRadar rescores Swain, NC monthly; Swain, NC readings join Swain, NC foreclosure, lien and ownership parcels (Swain, NC), so cost-squeezed Swain, NC owners surface before listing.
Inside North Carolina, Swain County ranks 7th of 100 counties for home-insurance distress at 89/100; Dare County (91/100) sits just above Swain County, and Wilkes County (88/100) sits just below Swain County.
Deterministic. Every Swain County, NC signal traces to a public Swain dataset (FEMA, NFIP, Census for Swain, NC) · how insurance distress works in Swain, NC · methodology
FAQ: Swain County, NC insurance distress
What is the Swain County, NC home-insurance-distress score?
Swain, NC: 89/100 (HIGH), #129 of 3,222, #11 in North Carolina. FEMA hazard, Swain, NC: 93/100; NFIP stress, Swain, NC: 84/100; construction, Swain, NC: 47/100; Swain, NC rescores monthly.
Is Swain County insurance distress getting better or worse (NC)?
Swain, NC: 91 in March 2026; Swain, NC: 89 in October 2026 (better); Swain, NC climate component 92; Swain, NC NFIP claims score 84.
How many flood-insurance claims has Swain County, NC had?
Swain, NC: 8 NFIP claims, three years; Swain, NC paid $350,203; per Swain, NC claim $43,775; carriers reprice Swain, NC against that record.
Which Swain County ZIP codes carry the most insurance distress (NC)?
Swain, NC, June 2026: 28789 at 0, 28719 at 0, 28713 at 0, 28702 at 0; Swain, NC climate scores there: 66, 44, 42, 19.
Why does Swain, NC insurance distress create sellers?
A Swain, NC premium outruns the Swain, NC budget; a carrier leaves Swain, NC; Swain, NC carrying cost passes plan; Swain, NC owners sell while current; Swain, NC insurance distress leads Swain, NC foreclosure data.