Kootenai County, ID: Home-Insurance Distress & Forced-Sale Pressure
Kootenai County, ID: 36/100 (moderate) home-insurance distress; Kootenai, ID band LOW; Kootenai, ID #1,450 of 3,222 counties; Kootenai, ID #5 of 44 in Idaho.
FEMA hazard, Kootenai, ID: 50/100; Kootenai, ID declarations, three years: 6; Kootenai, ID perils: 3 severe-storm; hazard-weighted, Kootenai, ID: 3.0.
Declared incidents on the Kootenai, ID record: 2026 Straight-Line Winds 3; 2026 Severe Storm 3 (Kootenai, ID).
NFIP claims, Kootenai, ID, three years: 1; Kootenai, ID payouts $0; per Kootenai, ID claim $0; Kootenai, ID claim-stress 15/100.
Kootenai, ID monthly score rose, 6 (March 2026) to 34 (October 2026); Kootenai, ID by month: March 6, April 6, May 5, June 5 (Kootenai, ID), July 33, August 31, September 31, October 34.
Kootenai, ID components: climate 46, NFIP claims 15; Kootenai, ID retreat index 34.
Construction distress, Kootenai, ID: 32/100 as of August 2026 (Kootenai, ID: 41/100 one-to-four unit, 6/100 multifamily).
Kootenai, ID ZIPs, June 2026 (Kootenai, ID, 13 highest): score 0 (Kootenai, ID), climate 81 (Kootenai, ID): 83814, 83815, 83835, 83842, Kootenai, ID 83854, 83858, 83876; score 0 (Kootenai, ID), climate 80 (Kootenai, ID): 83810, 83833; score 0 (Kootenai, ID), climate 79 (Kootenai, ID): 83801, 83869; score 0 (Kootenai, ID), climate 77 (Kootenai, ID): 83803; score 0 (Kootenai, ID), climate 25 (Kootenai, ID): 83861.
DLRadar rescores Kootenai, ID monthly; Kootenai, ID readings join Kootenai, ID foreclosure, lien and ownership parcels (Kootenai, ID), so cost-squeezed Kootenai, ID owners surface before listing.
Inside Idaho, Kootenai County ranks 5th of 44 counties for home-insurance distress at 36/100; Bonner County (37/100) sits just above Kootenai County, and Idaho County (32/100) sits just below Kootenai County.
Deterministic. Every Kootenai County, ID signal traces to a public Kootenai dataset (FEMA, NFIP, Census for Kootenai, ID) · how insurance distress works in Kootenai, ID · methodology
FAQ: Kootenai County, ID insurance distress
What is the Kootenai County, ID home-insurance-distress score?
Kootenai, ID: 36/100 (LOW), #1,450 of 3,222, #5 in Idaho. FEMA hazard, Kootenai, ID: 50/100; NFIP stress, Kootenai, ID: 15/100; construction, Kootenai, ID: 32/100; Kootenai, ID rescores monthly.
Is Kootenai County insurance distress getting better or worse (ID)?
Kootenai, ID: 6 in March 2026; Kootenai, ID: 34 in October 2026 (worse); Kootenai, ID climate component 46; Kootenai, ID NFIP claims score 15.
How many flood-insurance claims has Kootenai County, ID had?
Kootenai, ID: 1 NFIP claims, three years; Kootenai, ID paid $0; per Kootenai, ID claim $0; carriers reprice Kootenai, ID against that record.
Which Kootenai County ZIP codes carry the most insurance distress (ID)?
Kootenai, ID, June 2026: 83814 at 0, 83815 at 0, 83835 at 0, 83842 at 0; Kootenai, ID climate scores there: 81, 81, 81, 81.
Why does Kootenai, ID insurance distress create sellers?
A Kootenai, ID premium outruns the Kootenai, ID budget; a carrier leaves Kootenai, ID; Kootenai, ID carrying cost passes plan; Kootenai, ID owners sell while current; Kootenai, ID insurance distress leads Kootenai, ID foreclosure data.