Oakland County, MI: Home-Insurance Distress & Forced-Sale Pressure
Oakland County, MI: 63/100 (elevated) home-insurance distress; Oakland, MI band MEDIUM; Oakland, MI #813 of 3,222 counties; Oakland, MI #10 of 83 in Michigan.
FEMA hazard, Oakland, MI: 52/100; Oakland, MI declarations, three years: 2; Oakland, MI perils: 2 flood; Oakland, MI five-year count 2 (severity 3.0); Oakland, MI ten-year 2; hazard-weighted, Oakland, MI: 4.0.
Declared incidents on the Oakland, MI record: 2024 Flood 3 (Oakland, MI).
NFIP claims, Oakland, MI, three years: 21; Oakland, MI payouts $316,856; per Oakland, MI claim $15,088; Oakland, MI claim-stress 80/100.
Oakland, MI monthly score fell, 71 (March 2026) to 68 (October 2026); Oakland, MI by month: March 71, April 71, May 71, June 71 (Oakland, MI), July 68, August 67, September 67, October 68.
Oakland, MI components: climate 60, NFIP claims 80; Oakland, MI retreat index 68.
Construction distress, Oakland, MI: 57/100 as of August 2026 (Oakland, MI: 60/100 one-to-four unit, 48/100 multifamily).
Oakland, MI ZIPs, June 2026 (Oakland, MI, 16 highest): score 0 (Oakland, MI), climate 98 (Oakland, MI): 48009, 48017, 48025, 48030, Oakland, MI 48033, 48034, 48067, 48069, Oakland, MI 48070, 48071, 48072, 48073, Oakland, MI 48075, 48076, 48083, 48084.
DLRadar rescores Oakland, MI monthly; Oakland, MI readings join Oakland, MI foreclosure, lien and ownership parcels (Oakland, MI), so cost-squeezed Oakland, MI owners surface before listing.
Inside Michigan, Oakland County ranks 10th of 83 counties for home-insurance distress at 63/100; Menominee County (63/100) sits just above Oakland County, and Mecosta County (63/100) sits just below Oakland County.
Deterministic. Every Oakland County, MI signal traces to a public Oakland dataset (FEMA, NFIP, Census for Oakland, MI) · how insurance distress works in Oakland, MI · methodology
FAQ: Oakland County, MI insurance distress
What is the Oakland County, MI home-insurance-distress score?
Oakland, MI: 63/100 (MEDIUM), #813 of 3,222, #10 in Michigan. FEMA hazard, Oakland, MI: 52/100; NFIP stress, Oakland, MI: 80/100; construction, Oakland, MI: 57/100; Oakland, MI rescores monthly.
Is Oakland County insurance distress getting better or worse (MI)?
Oakland, MI: 71 in March 2026; Oakland, MI: 68 in October 2026 (better); Oakland, MI climate component 60; Oakland, MI NFIP claims score 80.
How many flood-insurance claims has Oakland County, MI had?
Oakland, MI: 21 NFIP claims, three years; Oakland, MI paid $316,856; per Oakland, MI claim $15,088; carriers reprice Oakland, MI against that record.
Which Oakland County ZIP codes carry the most insurance distress (MI)?
Oakland, MI, June 2026: 48009 at 0, 48017 at 0, 48025 at 0, 48030 at 0; Oakland, MI climate scores there: 98, 98, 98, 98.
Why does Oakland, MI insurance distress create sellers?
A Oakland, MI premium outruns the Oakland, MI budget; a carrier leaves Oakland, MI; Oakland, MI carrying cost passes plan; Oakland, MI owners sell while current; Oakland, MI insurance distress leads Oakland, MI foreclosure data.