Transylvania County, NC: Home-Insurance Distress & Forced-Sale Pressure
Transylvania County, NC: 95/100 (severe) home-insurance distress; Transylvania, NC band HIGH; Transylvania, NC #34 of 3,222 counties; Transylvania, NC #3 of 100 in North Carolina.
FEMA hazard, Transylvania, NC: 94/100; Transylvania, NC declarations, three years: 12; Transylvania, NC perils: 6 tropical-storm, 3 fire; Transylvania, NC five-year count 12 (severity 21.0); Transylvania, NC ten-year 12; hazard-weighted, Transylvania, NC: 24.0.
Declared incidents on the Transylvania, NC record: 2026 Winter Storm 2; 2025 Fire 2 (Transylvania, NC); 2024 Tropical Storm 4 (Transylvania, NC).
NFIP claims, Transylvania, NC, three years: 62; Transylvania, NC payouts $4,654,976; per Transylvania, NC claim $75,080; Transylvania, NC claim-stress 96/100.
Transylvania, NC monthly score fell, 94 (March 2026) to 91 (October 2026); Transylvania, NC by month: March 94, April 94, May 93, June 93 (Transylvania, NC), July 90, August 93, September 92, October 91.
Transylvania, NC components: climate 88, NFIP claims 96; Transylvania, NC retreat index 91.
Construction distress, Transylvania, NC: 65/100 as of August 2026 (Transylvania, NC: 64/100 one-to-four unit, 88/100 multifamily).
Transylvania, NC ZIPs, June 2026 (Transylvania, NC, 10 highest): score 0 (Transylvania, NC), climate 82 (Transylvania, NC): 28742; score 0 (Transylvania, NC), climate 81 (Transylvania, NC): 28739; score 0 (Transylvania, NC), climate 66 (Transylvania, NC): 28774; score 0 (Transylvania, NC), climate 63 (Transylvania, NC): 28766; score 0 (Transylvania, NC), climate 60 (Transylvania, NC): 28708, 28712, 28718, 28747, Transylvania, NC 28768, 28772.
DLRadar rescores Transylvania, NC monthly; Transylvania, NC readings join Transylvania, NC foreclosure, lien and ownership parcels (Transylvania, NC), so cost-squeezed Transylvania, NC owners surface before listing.
Inside North Carolina, Transylvania County ranks 3rd of 100 counties for home-insurance distress at 95/100; Mecklenburg County (95/100) sits just above Transylvania County, and Polk County (95/100) sits just below Transylvania County.
Deterministic. Every Transylvania County, NC signal traces to a public Transylvania dataset (FEMA, NFIP, Census for Transylvania, NC) · how insurance distress works in Transylvania, NC · methodology
FAQ: Transylvania County, NC insurance distress
What is the Transylvania County, NC home-insurance-distress score?
Transylvania, NC: 95/100 (HIGH), #34 of 3,222, #3 in North Carolina. FEMA hazard, Transylvania, NC: 94/100; NFIP stress, Transylvania, NC: 96/100; construction, Transylvania, NC: 65/100; Transylvania, NC rescores monthly.
Is Transylvania County insurance distress getting better or worse (NC)?
Transylvania, NC: 94 in March 2026; Transylvania, NC: 91 in October 2026 (better); Transylvania, NC climate component 88; Transylvania, NC NFIP claims score 96.
How many flood-insurance claims has Transylvania County, NC had?
Transylvania, NC: 62 NFIP claims, three years; Transylvania, NC paid $4,654,976; per Transylvania, NC claim $75,080; carriers reprice Transylvania, NC against that record.
Which Transylvania County ZIP codes carry the most insurance distress (NC)?
Transylvania, NC, June 2026: 28742 at 0, 28739 at 0, 28774 at 0, 28766 at 0; Transylvania, NC climate scores there: 82, 81, 66, 63.
Why does Transylvania, NC insurance distress create sellers?
A Transylvania, NC premium outruns the Transylvania, NC budget; a carrier leaves Transylvania, NC; Transylvania, NC carrying cost passes plan; Transylvania, NC owners sell while current; Transylvania, NC insurance distress leads Transylvania, NC foreclosure data.