Minnesota County Foreclosure & Distress Reports (2026)
One report per county — 87 in Minnesota — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Minnesota distress hub; insurance pressure is on the Minnesota home-insurance page.
87 Minnesota county reports sit in this archive; Minnesota opportunity phases run 62 weak, 20 early_signal, 4 watchlist; Minnesota ninety-day delinquency 0.6%; 225 banks chartered in Minnesota; 41,966 HUD-assisted Minnesota units.
Minnesota counties to open first by opportunity rank: Lake (#596, peak_opportunity); Cass (#785, early_signal); Todd (#964, watchlist) in Minnesota; Itasca (#964, early_signal); Wadena (#1,100, watchlist); Cook (#1,163, early_signal).
Minnesota insurance bands across counties: 42 zero in Minnesota, 27 low, 18 medium; Minnesota NFIP claims 159 in three years.
Minnesota counties in the peak phase (82): Aitkin, Anoka, Becker, Beltrami, Benton, Big Stone (Minnesota), Blue Earth, Brown, Carlton, Carver, Cass, Chippewa (Minnesota), Chisago, Clay, Clearwater, Cook, Cottonwood, Crow Wing (Minnesota), Dakota, Douglas, Faribault, Freeborn, Goodhue, Grant (Minnesota), Hennepin, Houston, Hubbard, Isanti, Itasca, Jackson (Minnesota), Kanabec, Kandiyohi, Kittson, Koochiching, Lac Qui Parle, Lake (Minnesota), Lake Of The Woods, Le Sueur, Lincoln, Lyon, Mahnomen, Marshall (Minnesota), Martin, Mcleod, Meeker, Mille Lacs, Morrison, Mower (Minnesota), Murray, Nicollet, Nobles, Norman, Otter Tail, Pennington (Minnesota), Pine, Pipestone, Pope, Ramsey, Red Lake, Redwood (Minnesota), Renville, Rice, Rock, Roseau, Scott, Sherburne (Minnesota), Sibley, Stearns, Steele, Stevens, St. Louis, Swift (Minnesota), Todd, Traverse, Wadena, Waseca, Washington, Watonwan (Minnesota), Wilkin, Winona, Wright, Yellow Medicine.
Minnesota counties in the neutral phase (4): Dodge, Fillmore, Olmsted, Wabasha.
Minnesota counties in the expansion phase (1): Polk.
Minnesota permitted 22,158 housing units in twelve months; 237,075 Minnesota units sit vacant of 2,545,030.
Minnesota counties highest on the national opportunity index: Lake #596 (32.8/100, peak_opportunity); Cass #785 (32.0/100, early_signal); Itasca #964 (31.3/100, early_signal) in Minnesota; Todd #964 (31.3/100, watchlist); Wadena #1,100 (30.8/100, watchlist); Cook #1,163 (30.6/100, early_signal) in Minnesota; Aitkin #1,182 (30.5/100, watchlist); Pine #1,211 (30.4/100, watchlist); Mahnomen #1,211 (30.4/100, early_signal) in Minnesota; Traverse #1,332 (30.0/100, early_signal); Lincoln #1,413 (29.7/100, early_signal); Watonwan #1,444 (29.6/100, early_signal) in Minnesota.
How the Minnesota county reports are scored: each Minnesota report reads its county's foreclosure filings, Minnesota tax-lien and tax-deed records, FHA mortgage delinquency in Minnesota (ninety-day rate 0.6%, December 2025), the FDIC stress of Minnesota lenders (225 chartered in Minnesota) and FEMA/NFIP pressure on Minnesota (159 NFIP claims, three years), then scores every Minnesota ZIP 0-100.
Lake County leads Minnesota on the opportunity index at #596 nationally with 9 scored ZIPs. Every Minnesota report is rebuilt monthly from public records; a Minnesota county whose data lapses keeps its Minnesota page and says so.