Clay County, MS

Composite Insurance Risk Score: 37.5 / 100 (National rank: #2356)

Axis Scores

Climate Safety 55.8
Insurance Affordability 13.9
Housing Affordability 47.2
Community Resilience 42.2
Social Resilience 26.3
Housing Stability 34.0

Key Metrics

Annual Insurance Premium (state avg) $2,500
Insurance Burden (% of income) 5.80%
Price-to-Income Ratio 2.99
FEMA Risk Score (0-100) 44.1

Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in Clay County have grown at an average annual rate of 7.51%. During the same period, the population has decreased by 6.4%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).