Clay County, SD: Home-Insurance Distress & Forced-Sale Pressure
Clay County, SD: 52/100 (elevated) home-insurance distress; Clay, SD band MEDIUM; Clay, SD #1,056 of 3,222 counties; Clay, SD #8 of 66 in South Dakota; raw Clay, SD 55.7.
FEMA hazard, Clay, SD: 52/100; Clay, SD declarations, three years: 3; Clay, SD perils: 2 flood; Clay, SD five-year count 2 (severity 3.0); Clay, SD ten-year 2; hazard-weighted, Clay, SD: 6.0.
Declared incidents on the Clay, SD record: 2024 Flood 2 (Clay, SD).
NFIP claims, Clay, SD, three years: 1; Clay, SD payouts $2,000; per Clay, SD claim $2,000; Clay, SD claim-stress 51/100.
Clay, SD monthly score fell, 58 (March 2026) to 51 (October 2026); Clay, SD by month: March 58, April 58, May 57, June 57 (Clay, SD), July 54, August 53, September 53, October 51.
Clay, SD components: climate 52, NFIP claims 51; Clay, SD retreat index 51.
Construction distress, Clay, SD: 55/100 as of August 2026 (Clay, SD: 37/100 one-to-four unit, 72/100 multifamily).
Clay, SD ZIPs, June 2026 (Clay, SD, 8 highest): score 0 (Clay, SD), climate 56 (Clay, SD): 57037; score 0 (Clay, SD), climate 54 (Clay, SD): 57004, 57031; score 0 (Clay, SD), climate 53 (Clay, SD): 57072; score 0 (Clay, SD), climate 41 (Clay, SD): 57014; score 0 (Clay, SD), climate 35 (Clay, SD): 57010; score 0 (Clay, SD), climate 31 (Clay, SD): 57069, 57073.
DLRadar rescores Clay, SD monthly; Clay, SD readings join Clay, SD foreclosure, lien and ownership parcels (Clay, SD), so cost-squeezed Clay, SD owners surface before listing.
Inside South Dakota, Clay County ranks 8th of 66 counties for home-insurance distress at 52/100; Hutchinson County (57/100) sits just above Clay County, and Day County (50/100) sits just below Clay County.
Deterministic. Every Clay County, SD signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, SD) · how insurance distress works in Clay, SD · methodology
FAQ: Clay County, SD insurance distress
What is the Clay County, SD home-insurance-distress score?
Clay, SD: 52/100 (MEDIUM), #1,056 of 3,222, #8 in South Dakota. FEMA hazard, Clay, SD: 52/100; NFIP stress, Clay, SD: 51/100; construction, Clay, SD: 55/100; Clay, SD rescores monthly.
Is Clay County insurance distress getting better or worse (SD)?
Clay, SD: 58 in March 2026; Clay, SD: 51 in October 2026 (better); Clay, SD climate component 52; Clay, SD NFIP claims score 51.
How many flood-insurance claims has Clay County, SD had?
Clay, SD: 1 NFIP claims, three years; Clay, SD paid $2,000; per Clay, SD claim $2,000; carriers reprice Clay, SD against that record.
Which Clay County ZIP codes carry the most insurance distress (SD)?
Clay, SD, June 2026: 57037 at 0, 57004 at 0, 57031 at 0, 57072 at 0; Clay, SD climate scores there: 56, 54, 54, 53.
Why does Clay, SD insurance distress create sellers?
A Clay, SD premium outruns the Clay, SD budget; a carrier leaves Clay, SD; Clay, SD carrying cost passes plan; Clay, SD owners sell while current; Clay, SD insurance distress leads Clay, SD foreclosure data.