Emmet County, MI: Home-Insurance Distress & Forced-Sale Pressure
Emmet County, MI: 56/100 (elevated) home-insurance distress; Emmet, MI band MEDIUM; Emmet, MI #992 of 3,222 counties; Emmet, MI #27 of 83 in Michigan.
FEMA hazard, Emmet, MI: 52/100; Emmet, MI declarations, three years: 4; Emmet, MI perils: 2 flood; Emmet, MI five-year count 2 (severity 4.0); Emmet, MI ten-year 2; hazard-weighted, Emmet, MI: 4.0.
Declared incidents on the Emmet, MI record: 2026 Flood 3; 2025 Severe Ice Storm 3 (Emmet, MI).
NFIP claims, Emmet, MI, three years: 3; Emmet, MI payouts $18,167; per Emmet, MI claim $6,056; Emmet, MI claim-stress 62/100.
Emmet, MI monthly score rose, 0 (March 2026) to 60 (October 2026); Emmet, MI by month: March 0, April 0, May 0, June 0 (Emmet, MI), July 27, August 26, September 27, October 60.
Emmet, MI components: climate 60, NFIP claims 62; Emmet, MI retreat index 60.
Construction distress, Emmet, MI: 45/100 as of August 2026 (Emmet, MI: 45/100 one-to-four unit, 0/100 multifamily).
Emmet, MI ZIPs, June 2026 (Emmet, MI, 11 highest): score 0 (Emmet, MI), climate 47 (Emmet, MI): 49701; score 0 (Emmet, MI), climate 45 (Emmet, MI): 49706, 49716, 49755; score 0 (Emmet, MI), climate 43 (Emmet, MI): 49718, 49769; score 0 (Emmet, MI), climate 41 (Emmet, MI): 49722, 49740, 49764, 49770; score 0 (Emmet, MI), climate 25 (Emmet, MI): 49713.
DLRadar rescores Emmet, MI monthly; Emmet, MI readings join Emmet, MI foreclosure, lien and ownership parcels (Emmet, MI), so cost-squeezed Emmet, MI owners surface before listing.
Inside Michigan, Emmet County ranks 27th of 83 counties for home-insurance distress at 56/100; Alpena County (56/100) sits just above Emmet County, and Gratiot County (55/100) sits just below Emmet County.
Deterministic. Every Emmet County, MI signal traces to a public Emmet dataset (FEMA, NFIP, Census for Emmet, MI) · how insurance distress works in Emmet, MI · methodology
FAQ: Emmet County, MI insurance distress
What is the Emmet County, MI home-insurance-distress score?
Emmet, MI: 56/100 (MEDIUM), #992 of 3,222, #27 in Michigan. FEMA hazard, Emmet, MI: 52/100; NFIP stress, Emmet, MI: 62/100; construction, Emmet, MI: 45/100; Emmet, MI rescores monthly.
Is Emmet County insurance distress getting better or worse (MI)?
Emmet, MI: 0 in March 2026; Emmet, MI: 60 in October 2026 (worse); Emmet, MI climate component 60; Emmet, MI NFIP claims score 62.
How many flood-insurance claims has Emmet County, MI had?
Emmet, MI: 3 NFIP claims, three years; Emmet, MI paid $18,167; per Emmet, MI claim $6,056; carriers reprice Emmet, MI against that record.
Which Emmet County ZIP codes carry the most insurance distress (MI)?
Emmet, MI, June 2026: 49701 at 0, 49706 at 0, 49716 at 0, 49755 at 0; Emmet, MI climate scores there: 47, 45, 45, 45.
Why does Emmet, MI insurance distress create sellers?
A Emmet, MI premium outruns the Emmet, MI budget; a carrier leaves Emmet, MI; Emmet, MI carrying cost passes plan; Emmet, MI owners sell while current; Emmet, MI insurance distress leads Emmet, MI foreclosure data.