Bonner County, ID: Home-Insurance Distress & Forced-Sale Pressure
Bonner County, ID: 37/100 (moderate) home-insurance distress; Bonner, ID band LOW; Bonner, ID #1,443 of 3,222 counties; Bonner, ID #4 of 44 in Idaho; raw Bonner, ID 43.5; Bonner, ID coverage multiplier 0.85.
FEMA hazard, Bonner, ID: 72/100; Bonner, ID declarations, three years: 9; Bonner, ID perils: 3 fire, 3 severe-storm; Bonner, ID five-year count 3 (severity 6.0); Bonner, ID ten-year 3; hazard-weighted, Bonner, ID: 9.0.
Declared incidents on the Bonner, ID record: 2026 Straight-Line Winds 3; 2026 Severe Storm 3 (Bonner, ID); 2025 Fire 3 (Bonner, ID).
NFIP claims, Bonner, ID, three years: none; Bonner, ID claim-stress 0/100.
Bonner, ID monthly score rose, 33 (March 2026) to 37 (October 2026); Bonner, ID by month: March 33, April 33, May 30, June 30 (Bonner, ID), July 33, August 33, September 32, October 37.
Bonner, ID components: climate 72; Bonner, ID retreat index 37; Bonner, ID climate multiplier 0.85.
Construction distress, Bonner, ID: 2/100 as of August 2026 (Bonner, ID: 55/100 one-to-four unit, 0/100 multifamily).
Bonner, ID ZIPs, June 2026 (Bonner, ID, 16 highest): score 0 (Bonner, ID), climate 79 (Bonner, ID): 83801, 83869; score 0 (Bonner, ID), climate 77 (Bonner, ID): 83803, 83804, 83809, 83811, Bonner, ID 83813, 83821, 83822, 83825, Bonner, ID 83836, 83840, 83841, 83848, Bonner, ID 83852, 83860.
DLRadar rescores Bonner, ID monthly; Bonner, ID readings join Bonner, ID foreclosure, lien and ownership parcels (Bonner, ID), so cost-squeezed Bonner, ID owners surface before listing.
Inside Idaho, Bonner County ranks 4th of 44 counties for home-insurance distress at 37/100; Nez Perce County (44/100) sits just above Bonner County, and Kootenai County (36/100) sits just below Bonner County.
Deterministic. Every Bonner County, ID signal traces to a public Bonner dataset (FEMA, NFIP, Census for Bonner, ID) · how insurance distress works in Bonner, ID · methodology
FAQ: Bonner County, ID insurance distress
What is the Bonner County, ID home-insurance-distress score?
Bonner, ID: 37/100 (LOW), #1,443 of 3,222, #4 in Idaho. FEMA hazard, Bonner, ID: 72/100; NFIP stress, Bonner, ID: 0/100; construction, Bonner, ID: 2/100; Bonner, ID rescores monthly.
Is Bonner County insurance distress getting better or worse (ID)?
Bonner, ID: 33 in March 2026; Bonner, ID: 37 in October 2026 (worse); Bonner, ID climate component 72.
Which Bonner County ZIP codes carry the most insurance distress (ID)?
Bonner, ID, June 2026: 83801 at 0, 83869 at 0, 83803 at 0, 83804 at 0; Bonner, ID climate scores there: 79, 79, 77, 77.
Why does Bonner, ID insurance distress create sellers?
A Bonner, ID premium outruns the Bonner, ID budget; a carrier leaves Bonner, ID; Bonner, ID carrying cost passes plan; Bonner, ID owners sell while current; Bonner, ID insurance distress leads Bonner, ID foreclosure data.