Clallam County, WA: Home-Insurance Distress & Forced-Sale Pressure
Clallam County, WA: 38/100 (moderate) home-insurance distress; Clallam, WA band LOW; Clallam, WA #1,400 of 3,222 counties; Clallam, WA #23 of 39 in Washington; raw Clallam, WA 44.4; Clallam, WA coverage multiplier 0.85.
FEMA hazard, Clallam, WA: 74/100; Clallam, WA declarations, three years: 6; Clallam, WA perils: 4 flood, 2 severe-storm; Clallam, WA five-year count 4 (severity 7.0); Clallam, WA ten-year 4; hazard-weighted, Clallam, WA: 10.0.
Declared incidents on the Clallam, WA record: 2026 Flood 2; 2025 Flood 2 (Clallam, WA); 2024 Severe Storm 2 (Clallam, WA).
NFIP claims, Clallam, WA, three years: none; Clallam, WA claim-stress 0/100.
Clallam, WA monthly score rose, 33 (March 2026) to 37 (October 2026); Clallam, WA by month: March 33, April 33, May 40, June 40 (Clallam, WA), July 39, August 40, September 45, October 37.
Clallam, WA components: climate 73; Clallam, WA retreat index 37; Clallam, WA climate multiplier 0.85.
Construction distress, Clallam, WA: 22/100 as of August 2026 (Clallam, WA: 12/100 one-to-four unit, 99/100 multifamily).
Clallam, WA ZIPs, June 2026 (Clallam, WA, 9 highest): score 0 (Clallam, WA), climate 88 (Clallam, WA): 98305, 98326, 98350, 98357, Clallam, WA 98362, 98363, 98381; score 0 (Clallam, WA), climate 86 (Clallam, WA): 98382; score 0 (Clallam, WA), climate 65 (Clallam, WA): 98331.
DLRadar rescores Clallam, WA monthly; Clallam, WA readings join Clallam, WA foreclosure, lien and ownership parcels (Clallam, WA), so cost-squeezed Clallam, WA owners surface before listing.
Inside Washington, Clallam County ranks 23rd of 39 counties for home-insurance distress at 38/100; Ferry County (43/100) sits just above Clallam County, and Klickitat County (38/100) sits just below Clallam County.
Deterministic. Every Clallam County, WA signal traces to a public Clallam dataset (FEMA, NFIP, Census for Clallam, WA) · how insurance distress works in Clallam, WA · methodology
FAQ: Clallam County, WA insurance distress
What is the Clallam County, WA home-insurance-distress score?
Clallam, WA: 38/100 (LOW), #1,400 of 3,222, #23 in Washington. FEMA hazard, Clallam, WA: 74/100; NFIP stress, Clallam, WA: 0/100; construction, Clallam, WA: 22/100; Clallam, WA rescores monthly.
Is Clallam County insurance distress getting better or worse (WA)?
Clallam, WA: 33 in March 2026; Clallam, WA: 37 in October 2026 (worse); Clallam, WA climate component 73.
Which Clallam County ZIP codes carry the most insurance distress (WA)?
Clallam, WA, June 2026: 98305 at 0, 98326 at 0, 98350 at 0, 98357 at 0; Clallam, WA climate scores there: 88, 88, 88, 88.
Why does Clallam, WA insurance distress create sellers?
A Clallam, WA premium outruns the Clallam, WA budget; a carrier leaves Clallam, WA; Clallam, WA carrying cost passes plan; Clallam, WA owners sell while current; Clallam, WA insurance distress leads Clallam, WA foreclosure data.