Wilkes County, NC: Home-Insurance Distress & Forced-Sale Pressure
Wilkes County, NC: 88/100 (severe) home-insurance distress; Wilkes, NC band HIGH; Wilkes, NC #140 of 3,222 counties; Wilkes, NC #8 of 100 in North Carolina.
FEMA hazard, Wilkes, NC: 90/100; Wilkes, NC declarations, three years: 8; Wilkes, NC perils: 6 tropical-storm; Wilkes, NC five-year count 12 (severity 19.5); Wilkes, NC ten-year 12; hazard-weighted, Wilkes, NC: 18.0.
Declared incidents on the Wilkes, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 6 (Wilkes, NC).
NFIP claims, Wilkes, NC, three years: 7; Wilkes, NC payouts $500,911; per Wilkes, NC claim $71,559; Wilkes, NC claim-stress 86/100.
Wilkes, NC monthly score fell, 91 (March 2026) to 88 (October 2026); Wilkes, NC by month: March 91, April 91, May 91, June 91 (Wilkes, NC), July 88, August 90, September 90, October 88.
Wilkes, NC components: climate 88, NFIP claims 86; Wilkes, NC retreat index 88.
Construction distress, Wilkes, NC: 69/100 as of August 2026 (Wilkes, NC: 70/100 one-to-four unit, 3/100 multifamily).
Wilkes, NC ZIPs, June 2026 (Wilkes, NC, 16 highest): score 0 (Wilkes, NC), climate 79 (Wilkes, NC): 28624, 28635, 28649, 28651, Wilkes, NC 28659, 28665, 28669, 28670, Wilkes, NC 28685, 28697; score 0 (Wilkes, NC), climate 78 (Wilkes, NC): 28606; score 0 (Wilkes, NC), climate 76 (Wilkes, NC): 28654; score 0 (Wilkes, NC), climate 74 (Wilkes, NC): 28621, 28683, 28689; score 0 (Wilkes, NC), climate 73 (Wilkes, NC): 28676.
DLRadar rescores Wilkes, NC monthly; Wilkes, NC readings join Wilkes, NC foreclosure, lien and ownership parcels (Wilkes, NC), so cost-squeezed Wilkes, NC owners surface before listing.
Inside North Carolina, Wilkes County ranks 8th of 100 counties for home-insurance distress at 88/100; Swain County (89/100) sits just above Wilkes County, and Union County (87/100) sits just below Wilkes County.
Deterministic. Every Wilkes County, NC signal traces to a public Wilkes dataset (FEMA, NFIP, Census for Wilkes, NC) · how insurance distress works in Wilkes, NC · methodology
FAQ: Wilkes County, NC insurance distress
What is the Wilkes County, NC home-insurance-distress score?
Wilkes, NC: 88/100 (HIGH), #140 of 3,222, #8 in North Carolina. FEMA hazard, Wilkes, NC: 90/100; NFIP stress, Wilkes, NC: 86/100; construction, Wilkes, NC: 69/100; Wilkes, NC rescores monthly.
Is Wilkes County insurance distress getting better or worse (NC)?
Wilkes, NC: 91 in March 2026; Wilkes, NC: 88 in October 2026 (better); Wilkes, NC climate component 88; Wilkes, NC NFIP claims score 86.
How many flood-insurance claims has Wilkes County, NC had?
Wilkes, NC: 7 NFIP claims, three years; Wilkes, NC paid $500,911; per Wilkes, NC claim $71,559; carriers reprice Wilkes, NC against that record.
Which Wilkes County ZIP codes carry the most insurance distress (NC)?
Wilkes, NC, June 2026: 28624 at 0, 28635 at 0, 28649 at 0, 28651 at 0; Wilkes, NC climate scores there: 79, 79, 79, 79.
Why does Wilkes, NC insurance distress create sellers?
A Wilkes, NC premium outruns the Wilkes, NC budget; a carrier leaves Wilkes, NC; Wilkes, NC carrying cost passes plan; Wilkes, NC owners sell while current; Wilkes, NC insurance distress leads Wilkes, NC foreclosure data.