Home insurance of last resort in Clay County, North Carolina
At 30 June 2026 the North Carolina FAIR Plan insured 424 residential risks in Clay County, up 2.7% from a year earlier, with $106.2 million of residential insured value. That is the 96th highest count among North Carolina's 100 counties.
FAIR Plan residential, 30 June 2026424+2.7% in a year
Residential insured value$106.2 million
FAIR Plan commercial11
NC FAIR Plan residential count in Clay County at each quarter end
Quarter by quarter
| Quarter end | Residential count | Residential insured value | Commercial count | Total count |
|---|---|---|---|---|
| 30 June 2026 | 424 | $106.2 million | 11 | 435 |
| 31 March 2026 | 430 | $99.1 million | 10 | 440 |
| 31 December 2025 | 431 | $94.6 million | 9 | 440 |
| 30 September 2025 | 426 | $92.6 million | 9 | 435 |
| 30 June 2025 | 413 | $84.5 million | 8 | 421 |
| 31 March 2025 | 408 | $79.4 million | 8 | 416 |
| 31 December 2024 | 386 | $69.3 million | 8 | 394 |
| 30 September 2024 | 386 | $66.8 million | 8 | 394 |
| 30 June 2024 | 391 | $66.4 million | 3 | 394 |
| 31 March 2024 | 375 | $59.9 million | 3 | 378 |
| 31 December 2023 | 364 | $55.2 million | 1 | 365 |
| 30 September 2023 | 362 | $52.7 million | 1 | 363 |
| 30 June 2023 | 360 | $52.0 million | 2 | 362 |
| 31 March 2023 | 346 | $47.3 million | 1 | 347 |
Nonrenewals, 2018 to 2023
From the Senate Budget Committee's insurer data. More on nonrenewals in Clay.
| Year | Nonrenewals | Policies in force | Nonrenewal rate | North Carolina rate |
|---|---|---|---|---|
| 2023 | 14 | 1,748 | 0.80% | 1.79% |
| 2022 | 9 | 1,800 | 0.50% | 0.91% |
| 2021 | 13 | 1,800 | 0.72% | 0.78% |
| 2020 | 12 | 1,731 | 0.69% | 1.05% |
| 2019 | 17 | 1,739 | 0.98% | 1.15% |
| 2018 | 21 | 1,723 | 1.22% | 2.07% |
How to read this. Counts are the pools' published counts of insured risks, which are close to but not always the same as policies. Insured value is the pools' aggregate liability for buildings and contents. A rising count can mean fewer private insurers writing in the area, but the pools do not say why owners joined.
Sources
- North Carolina Joint Underwriting Association (NC FAIR Plan), Quarterly financial statements, Aggregate Liability by Counties
- US Senate Budget Committee, Homeowners insurance nonrenewal data by county, 2018 to 2023 (December 2024 release)
Checked 29 October 2026. Figures are reproduced as published and are not adjusted.