Clay County, NE: Home-Insurance Distress & Forced-Sale Pressure
Clay County, NE: 21/100 (low) home-insurance distress; Clay, NE band LOW; Clay, NE #2,202 of 3,222 counties; Clay, NE #32 of 93 in Nebraska; raw Clay, NE 27.4; Clay, NE coverage multiplier 0.85.
FEMA hazard, Clay, NE: 40/100; Clay, NE declarations, three years: 6; Clay, NE perils: 3 severe-storm; Clay, NE five-year count 6 (severity 10.5); Clay, NE ten-year 6; hazard-weighted, Clay, NE: 3.0.
Declared incidents on the Clay, NE record: 2025 Winter Storm 3; 2024 Severe Storm 3 (Clay, NE).
NFIP claims, Clay, NE, three years: none; Clay, NE claim-stress 0/100.
Clay, NE monthly score fell, 26 (March 2026) to 23 (October 2026); Clay, NE by month: March 26, April 26, May 24, June 24 (Clay, NE), July 23, August 21, September 21, October 23.
Clay, NE components: climate 46; Clay, NE retreat index 23; Clay, NE climate multiplier 0.85.
Construction distress, Clay, NE: 18/100 as of August 2026 (Clay, NE: 13/100 one-to-four unit, 14/100 multifamily).
Clay, NE ZIPs, June 2026 (Clay, NE, 15 highest): score 0 (Clay, NE), climate 67 (Clay, NE): 68901; score 0 (Clay, NE), climate 62 (Clay, NE): 68941; score 0 (Clay, NE), climate 61 (Clay, NE): 68980; score 0 (Clay, NE), climate 58 (Clay, NE): 68452, 68933, 68938, 68944, Clay, NE 68954, 68975; score 0 (Clay, NE), climate 52 (Clay, NE): 68818; score 0 (Clay, NE), climate 50 (Clay, NE): 68979; score 0 (Clay, NE), climate 47 (Clay, NE): 68935; score 0 (Clay, NE), climate 36 (Clay, NE): 68934; score 0 (Clay, NE), climate 35 (Clay, NE): 68957; score 0 (Clay, NE), climate 30 (Clay, NE): 68436.
DLRadar rescores Clay, NE monthly; Clay, NE readings join Clay, NE foreclosure, lien and ownership parcels (Clay, NE), so cost-squeezed Clay, NE owners surface before listing.
Inside Nebraska, Clay County ranks 33rd of 93 counties for home-insurance distress at 21/100; Cheyenne County (21/100) sits just above Clay County, and Colfax County (21/100) sits just below Clay County.
Deterministic. Every Clay County, NE signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, NE) · how insurance distress works in Clay, NE · methodology
FAQ: Clay County, NE insurance distress
What is the Clay County, NE home-insurance-distress score?
Clay, NE: 21/100 (LOW), #2,202 of 3,222, #32 in Nebraska. FEMA hazard, Clay, NE: 40/100; NFIP stress, Clay, NE: 0/100; construction, Clay, NE: 18/100; Clay, NE rescores monthly.
Is Clay County insurance distress getting better or worse (NE)?
Clay, NE: 26 in March 2026; Clay, NE: 23 in October 2026 (better); Clay, NE climate component 46.
Which Clay County ZIP codes carry the most insurance distress (NE)?
Clay, NE, June 2026: 68901 at 0, 68941 at 0, 68980 at 0, 68452 at 0; Clay, NE climate scores there: 67, 62, 61, 58.
Why does Clay, NE insurance distress create sellers?
A Clay, NE premium outruns the Clay, NE budget; a carrier leaves Clay, NE; Clay, NE carrying cost passes plan; Clay, NE owners sell while current; Clay, NE insurance distress leads Clay, NE foreclosure data.