[Maximo]

I doubt it is behavioral. She must have something going on with her skin. Is it dry, flaky, or red? Any signs of bites?

Fleas are still active in many places, especially where you are.

The dry heat of a furnace can cause skin dryness.

Allergies can develop later in life -- usually they are environmental allergies.

Hope you can figure out what the cause is. Skin issues can be frsutrating.