Transylvania County, NC

Composite Insurance Risk Score: 46.2 / 100 (National rank: #1860)

Axis Scores

Climate Safety 58.1
Insurance Affordability 60.4
Housing Affordability 4.7
Community Resilience 32.2
Social Resilience 47.8
Housing Stability 50.1

Key Metrics

Annual Insurance Premium (state avg) $1,600
Insurance Burden (% of income) 2.42%
Price-to-Income Ratio 5.64
FEMA Risk Score (0-100) 41.8

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 Transylvania County have grown at an average annual rate of 10.98%. During the same period, the population has decreased by 0.25%. 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).