Hayes County, NE: Home-Insurance Distress & Forced-Sale Pressure
Hayes County, NE: 21/100 (low) home-insurance distress; Hayes, NE band LOW; Hayes, NE #2,207 of 3,222 counties; Hayes, NE #37 of 93 in Nebraska; raw Hayes, NE 27.4; Hayes, NE coverage multiplier 0.85.
FEMA hazard, Hayes, NE: 40/100; Hayes, NE declarations, three years: 3; Hayes, NE perils: 3 severe-storm; Hayes, NE five-year count 3 (severity 4.5); Hayes, NE ten-year 3; hazard-weighted, Hayes, NE: 3.0.
Declared incidents on the Hayes, NE record: 2024 Severe Storm 3 (Hayes, NE).
NFIP claims, Hayes, NE, three years: none; Hayes, NE claim-stress 0/100.
Hayes, NE monthly score fell, 26 (March 2026) to 23 (October 2026); Hayes, NE by month: March 26, April 26, May 24, June 24 (Hayes, NE), July 23, August 21, September 21, October 23.
Hayes, NE components: climate 46; Hayes, NE retreat index 23; Hayes, NE climate multiplier 0.85.
Construction distress, Hayes, NE: 21/100 as of August 2026 (Hayes, NE: 19/100 one-to-four unit, 17/100 multifamily).
Hayes, NE ZIPs, June 2026 (Hayes, NE, 8 highest): score 0 (Hayes, NE), climate 41 (Hayes, NE): 69169; score 0 (Hayes, NE), climate 19 (Hayes, NE): 69001; score 0 (Hayes, NE), climate 8 (Hayes, NE): 69038; score 0 (Hayes, NE), climate 6 (Hayes, NE): 69024, 69134; score 0 (Hayes, NE), climate 5 (Hayes, NE): 69045; score 0 (Hayes, NE), climate 4 (Hayes, NE): 69040; score 0 (Hayes, NE), climate 1 (Hayes, NE): 69032.
DLRadar rescores Hayes, NE monthly; Hayes, NE readings join Hayes, NE foreclosure, lien and ownership parcels (Hayes, NE), so cost-squeezed Hayes, NE owners surface before listing.
Inside Nebraska, Hayes County ranks 38th of 93 counties for home-insurance distress at 21/100; Hamilton County (21/100) sits just above Hayes County, and Hitchcock County (21/100) sits just below Hayes County.
Deterministic. Every Hayes County, NE signal traces to a public Hayes dataset (FEMA, NFIP, Census for Hayes, NE) · how insurance distress works in Hayes, NE · methodology
FAQ: Hayes County, NE insurance distress
What is the Hayes County, NE home-insurance-distress score?
Hayes, NE: 21/100 (LOW), #2,207 of 3,222, #37 in Nebraska. FEMA hazard, Hayes, NE: 40/100; NFIP stress, Hayes, NE: 0/100; construction, Hayes, NE: 21/100; Hayes, NE rescores monthly.
Is Hayes County insurance distress getting better or worse (NE)?
Hayes, NE: 26 in March 2026; Hayes, NE: 23 in October 2026 (better); Hayes, NE climate component 46.
Which Hayes County ZIP codes carry the most insurance distress (NE)?
Hayes, NE, June 2026: 69169 at 0, 69001 at 0, 69038 at 0, 69024 at 0; Hayes, NE climate scores there: 41, 19, 8, 6.
Why does Hayes, NE insurance distress create sellers?
A Hayes, NE premium outruns the Hayes, NE budget; a carrier leaves Hayes, NE; Hayes, NE carrying cost passes plan; Hayes, NE owners sell while current; Hayes, NE insurance distress leads Hayes, NE foreclosure data.