Clay County, WV: Home-Insurance Distress & Forced-Sale Pressure
Clay County, WV: 32/100 (moderate) home-insurance distress; Clay, WV band LOW; Clay, WV #1,555 of 3,222 counties; Clay, WV #39 of 55 in West Virginia; raw Clay, WV 31.2; Clay, WV coverage multiplier 0.85.
FEMA hazard, Clay, WV: 63/100; Clay, WV declarations, three years: 4; Clay, WV perils: 3 flood; Clay, WV five-year count 4 (severity 7.0); Clay, WV ten-year 4; hazard-weighted, Clay, WV: 4.0.
Declared incidents on the Clay, WV record: 2026 Winter Storm 2; 2024 Flood 2 (Clay, WV).
NFIP claims, Clay, WV, three years: none; Clay, WV claim-stress 0/100.
Clay, WV monthly score fell, 30 (March 2026) to 26 (October 2026); Clay, WV by month: March 30, April 30, May 30, June 30 (Clay, WV), July 27, August 26, September 32, October 26.
Clay, WV components: climate 52; Clay, WV retreat index 26; Clay, WV climate multiplier 0.85.
Construction distress, Clay, WV: 70/100 as of August 2026 (Clay, WV: 70/100 one-to-four unit, 0/100 multifamily).
Clay, WV ZIPs, June 2026 (Clay, WV, 16 highest): score 0 (Clay, WV), climate 81 (Clay, WV): 25045; score 0 (Clay, WV), climate 47 (Clay, WV): 26617; score 0 (Clay, WV), climate 33 (Clay, WV): 25111; score 0 (Clay, WV), climate 27 (Clay, WV): 25063; score 0 (Clay, WV), climate 25 (Clay, WV): 25164; score 0 (Clay, WV), climate 22 (Clay, WV): 25043; score 0 (Clay, WV), climate 20 (Clay, WV): 25125; score 0 (Clay, WV), climate 17 (Clay, WV): 25019, 25030, 25088, 25113, Clay, WV 25133, 25141, 25211, 25285; score 0 (Clay, WV), climate 15 (Clay, WV): 25235.
DLRadar rescores Clay, WV monthly; Clay, WV readings join Clay, WV foreclosure, lien and ownership parcels (Clay, WV), so cost-squeezed Clay, WV owners surface before listing.
Inside West Virginia, Clay County ranks 37th of 55 counties for home-insurance distress at 32/100; Calhoun County (32/100) sits just above Clay County, and Gilmer County (32/100) sits just below Clay County.
Deterministic. Every Clay County, WV signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, WV) · how insurance distress works in Clay, WV · methodology
FAQ: Clay County, WV insurance distress
What is the Clay County, WV home-insurance-distress score?
Clay, WV: 32/100 (LOW), #1,555 of 3,222, #39 in West Virginia. FEMA hazard, Clay, WV: 63/100; NFIP stress, Clay, WV: 0/100; construction, Clay, WV: 70/100; Clay, WV rescores monthly.
Is Clay County insurance distress getting better or worse (WV)?
Clay, WV: 30 in March 2026; Clay, WV: 26 in October 2026 (better); Clay, WV climate component 52.
Which Clay County ZIP codes carry the most insurance distress (WV)?
Clay, WV, June 2026: 25045 at 0, 26617 at 0, 25111 at 0, 25063 at 0; Clay, WV climate scores there: 81, 47, 33, 27.
Why does Clay, WV insurance distress create sellers?
A Clay, WV premium outruns the Clay, WV budget; a carrier leaves Clay, WV; Clay, WV carrying cost passes plan; Clay, WV owners sell while current; Clay, WV insurance distress leads Clay, WV foreclosure data.