Cheboygan County, MI: Home-Insurance Distress & Forced-Sale Pressure
Cheboygan County, MI: 68/100 (elevated) home-insurance distress; Cheboygan, MI band MEDIUM; Cheboygan, MI #683 of 3,222 counties; Cheboygan, MI #1 of 83 in Michigan.
FEMA hazard, Cheboygan, MI: 52/100; Cheboygan, MI declarations, three years: 4; Cheboygan, MI perils: 2 flood; Cheboygan, MI five-year count 2 (severity 4.0); Cheboygan, MI ten-year 2; hazard-weighted, Cheboygan, MI: 4.0.
Declared incidents on the Cheboygan, MI record: 2026 Flood 3; 2025 Severe Ice Storm 3 (Cheboygan, MI).
NFIP claims, Cheboygan, MI, three years: 32; Cheboygan, MI payouts $1,659,384; per Cheboygan, MI claim $51,856; Cheboygan, MI claim-stress 92/100.
Cheboygan, MI monthly score rose, 0 (March 2026) to 73 (October 2026); Cheboygan, MI by month: March 0, April 0, May 24, June 24 (Cheboygan, MI), July 60, August 59, September 59, October 73.
Cheboygan, MI components: climate 60, NFIP claims 92; Cheboygan, MI retreat index 73.
Construction distress, Cheboygan, MI: 49/100 as of August 2026 (Cheboygan, MI: 49/100 one-to-four unit, 0/100 multifamily).
Cheboygan, MI ZIPs, June 2026 (Cheboygan, MI, 15 highest): score 0 (Cheboygan, MI), climate 55 (Cheboygan, MI): 49705, 49717, 49721, 49749, Cheboygan, MI 49791, 49799; score 0 (Cheboygan, MI), climate 47 (Cheboygan, MI): 49701; score 0 (Cheboygan, MI), climate 45 (Cheboygan, MI): 49706, 49716, 49755; score 0 (Cheboygan, MI), climate 43 (Cheboygan, MI): 49718, 49769; score 0 (Cheboygan, MI), climate 41 (Cheboygan, MI): 49770; score 0 (Cheboygan, MI), climate 36 (Cheboygan, MI): 49765; score 0 (Cheboygan, MI), climate 24 (Cheboygan, MI): 49795.
DLRadar rescores Cheboygan, MI monthly; Cheboygan, MI readings join Cheboygan, MI foreclosure, lien and ownership parcels (Cheboygan, MI), so cost-squeezed Cheboygan, MI owners surface before listing.
Inside Michigan, Cheboygan County ranks 1st of 83 counties for home-insurance distress at 68/100; Newaygo County (68/100) sits just below Cheboygan County.
Deterministic. Every Cheboygan County, MI signal traces to a public Cheboygan dataset (FEMA, NFIP, Census for Cheboygan, MI) · how insurance distress works in Cheboygan, MI · methodology
FAQ: Cheboygan County, MI insurance distress
What is the Cheboygan County, MI home-insurance-distress score?
Cheboygan, MI: 68/100 (MEDIUM), #683 of 3,222, #1 in Michigan. FEMA hazard, Cheboygan, MI: 52/100; NFIP stress, Cheboygan, MI: 92/100; construction, Cheboygan, MI: 49/100; Cheboygan, MI rescores monthly.
Is Cheboygan County insurance distress getting better or worse (MI)?
Cheboygan, MI: 0 in March 2026; Cheboygan, MI: 73 in October 2026 (worse); Cheboygan, MI climate component 60; Cheboygan, MI NFIP claims score 92.
How many flood-insurance claims has Cheboygan County, MI had?
Cheboygan, MI: 32 NFIP claims, three years; Cheboygan, MI paid $1,659,384; per Cheboygan, MI claim $51,856; carriers reprice Cheboygan, MI against that record.
Which Cheboygan County ZIP codes carry the most insurance distress (MI)?
Cheboygan, MI, June 2026: 49705 at 0, 49717 at 0, 49721 at 0, 49749 at 0; Cheboygan, MI climate scores there: 55, 55, 55, 55.
Why does Cheboygan, MI insurance distress create sellers?
A Cheboygan, MI premium outruns the Cheboygan, MI budget; a carrier leaves Cheboygan, MI; Cheboygan, MI carrying cost passes plan; Cheboygan, MI owners sell while current; Cheboygan, MI insurance distress leads Cheboygan, MI foreclosure data.