Clay County, NE
Composite Insurance Risk Score: 53.9 / 100 (National rank: #1354)
Axis Scores
Climate Safety
35.7
Insurance Affordability
26.4
Housing Affordability
89.9
Community Resilience
54.6
Social Resilience
88.8
Housing Stability
88.1
Key Metrics
| Annual Insurance Premium (state avg) | $3,500 |
| Insurance Burden (% of income) | 4.43% |
| Price-to-Income Ratio | 1.97 |
| FEMA Risk Score (0-100) | 64.1 |
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).