Charlevoix County, MI: Home-Insurance Distress & Forced-Sale Pressure
Charlevoix County, MI: 59/100 (elevated) home-insurance distress; Charlevoix, MI band MEDIUM; Charlevoix, MI #923 of 3,222 counties; Charlevoix, MI #19 of 83 in Michigan.
FEMA hazard, Charlevoix, MI: 52/100; Charlevoix, MI declarations, three years: 4; Charlevoix, MI perils: 2 flood; Charlevoix, MI five-year count 2 (severity 4.0); Charlevoix, MI ten-year 2; hazard-weighted, Charlevoix, MI: 4.0.
Declared incidents on the Charlevoix, MI record: 2026 Flood 3; 2025 Severe Ice Storm 3 (Charlevoix, MI).
NFIP claims, Charlevoix, MI, three years: 3; Charlevoix, MI payouts $54,235; per Charlevoix, MI claim $18,078; Charlevoix, MI claim-stress 69/100.
Charlevoix, MI monthly score rose, 0 (March 2026) to 63 (October 2026); Charlevoix, MI by month: March 0, April 0, May 7, June 7 (Charlevoix, MI), July 40, August 39, September 39, October 63.
Charlevoix, MI components: climate 60, NFIP claims 69; Charlevoix, MI retreat index 63.
Construction distress, Charlevoix, MI: 48/100 as of August 2026 (Charlevoix, MI: 48/100 one-to-four unit, 0/100 multifamily).
Charlevoix, MI ZIPs, June 2026 (Charlevoix, MI, 10 highest): score 0 (Charlevoix, MI), climate 41 (Charlevoix, MI): 49770; score 0 (Charlevoix, MI), climate 29 (Charlevoix, MI): 49729; score 0 (Charlevoix, MI), climate 27 (Charlevoix, MI): 49727, 49730; score 0 (Charlevoix, MI), climate 25 (Charlevoix, MI): 49712, 49713, 49720, 49782, Charlevoix, MI 49796; score 0 (Charlevoix, MI), climate 24 (Charlevoix, MI): 49795.
DLRadar rescores Charlevoix, MI monthly; Charlevoix, MI readings join Charlevoix, MI foreclosure, lien and ownership parcels (Charlevoix, MI), so cost-squeezed Charlevoix, MI owners surface before listing.
Inside Michigan, Charlevoix County ranks 19th of 83 counties for home-insurance distress at 59/100; Roscommon County (60/100) sits just above Charlevoix County, and Kalamazoo County (59/100) sits just below Charlevoix County.
Deterministic. Every Charlevoix County, MI signal traces to a public Charlevoix dataset (FEMA, NFIP, Census for Charlevoix, MI) · how insurance distress works in Charlevoix, MI · methodology
FAQ: Charlevoix County, MI insurance distress
What is the Charlevoix County, MI home-insurance-distress score?
Charlevoix, MI: 59/100 (MEDIUM), #923 of 3,222, #19 in Michigan. FEMA hazard, Charlevoix, MI: 52/100; NFIP stress, Charlevoix, MI: 69/100; construction, Charlevoix, MI: 48/100; Charlevoix, MI rescores monthly.
Is Charlevoix County insurance distress getting better or worse (MI)?
Charlevoix, MI: 0 in March 2026; Charlevoix, MI: 63 in October 2026 (worse); Charlevoix, MI climate component 60; Charlevoix, MI NFIP claims score 69.
How many flood-insurance claims has Charlevoix County, MI had?
Charlevoix, MI: 3 NFIP claims, three years; Charlevoix, MI paid $54,235; per Charlevoix, MI claim $18,078; carriers reprice Charlevoix, MI against that record.
Which Charlevoix County ZIP codes carry the most insurance distress (MI)?
Charlevoix, MI, June 2026: 49770 at 0, 49729 at 0, 49727 at 0, 49730 at 0; Charlevoix, MI climate scores there: 41, 29, 27, 27.
Why does Charlevoix, MI insurance distress create sellers?
A Charlevoix, MI premium outruns the Charlevoix, MI budget; a carrier leaves Charlevoix, MI; Charlevoix, MI carrying cost passes plan; Charlevoix, MI owners sell while current; Charlevoix, MI insurance distress leads Charlevoix, MI foreclosure data.