North Dakota County Foreclosure & Distress Reports (2026)
One report per county — 53 in North Dakota — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the North Dakota distress hub; insurance pressure is on the North Dakota home-insurance page.
53 North Dakota county reports sit in this archive; North Dakota opportunity phases run 26 weak, 15 early_signal, 5 watchlist; North Dakota ninety-day delinquency 0.6%; 60 banks chartered in North Dakota; 3,176 HUD-assisted North Dakota units.
North Dakota counties to open first by opportunity rank: Mercer (#157, strong_buy); Bottineau (#176, peak_opportunity); Williams (#258, peak_opportunity) in North Dakota; Mckenzie (#341, overheated); Oliver (#431, peak_opportunity); Griggs (#506, overheated).
North Dakota insurance bands across counties: 27 low in North Dakota, 24 zero, 2 medium; North Dakota NFIP claims 10 in three years.
North Dakota counties in the peak phase (46): Adams, Barnes, Benson, Billings, Bottineau, Bowman (North Dakota), Burke, Cass, Cavalier, Dickey, Divide, Dunn (North Dakota), Eddy, Emmons, Foster, Golden Valley, Grant, Griggs (North Dakota), Hettinger, Kidder, Lamoure, Logan, Mcintosh, Mckenzie (North Dakota), Mclean, Mercer, Mountrail, Nelson, Pembina, Pierce (North Dakota), Ramsey, Ransom, Richland, Rolette, Sargent, Sheridan (North Dakota), Sioux, Slope, Stark, Steele, Stutsman, Towner (North Dakota), Traill, Walsh, Wells, Williams.
North Dakota counties in the expansion phase (7): Burleigh, Grand Forks, Mchenry, Morton, Oliver, Renville (North Dakota), Ward.
North Dakota permitted 2,147 housing units in twelve months; 46,218 North Dakota units sit vacant of 377,281.
North Dakota counties highest on the national opportunity index: Mercer #157 (36.3/100, strong_buy); Bottineau #176 (36.1/100, peak_opportunity); Williams #258 (35.2/100, peak_opportunity) in North Dakota; Mckenzie #341 (34.3/100, overheated); Oliver #431 (33.8/100, peak_opportunity); Steele #506 (33.4/100, overheated) in North Dakota; Griggs #506 (33.4/100, overheated); Stark #704 (32.4/100, watchlist); Rolette #723 (32.3/100, watchlist) in North Dakota; Divide #766 (32.1/100, early_signal); Morton #766 (32.1/100, watchlist); Mclean #793 (32.0/100, early_signal) in North Dakota.
How the North Dakota county reports are scored: each North Dakota report reads its county's foreclosure filings, North Dakota tax-lien and tax-deed records, FHA mortgage delinquency in North Dakota (ninety-day rate 0.6%, December 2025), the FDIC stress of North Dakota lenders (60 chartered in North Dakota) and FEMA/NFIP pressure on North Dakota (10 NFIP claims, three years), then scores every North Dakota ZIP 0-100.
Mercer County leads North Dakota on the opportunity index at #157 nationally with 10 scored ZIPs. Every North Dakota report is rebuilt monthly from public records; a North Dakota county whose data lapses keeps its North Dakota page and says so.