Oceana County, MI: Home-Insurance Distress & Forced-Sale Pressure
Oceana County, MI: 60/100 (elevated) home-insurance distress; Oceana, MI band MEDIUM; Oceana, MI #887 of 3,222 counties; Oceana, MI #17 of 83 in Michigan.
FEMA hazard, Oceana, MI: 52/100; Oceana, MI declarations, three years: 2; Oceana, MI perils: 2 flood; hazard-weighted, Oceana, MI: 4.0.
Declared incidents on the Oceana, MI record: 2026 Flood 3 (Oceana, MI).
NFIP claims, Oceana, MI, three years: 3; Oceana, MI payouts $83,100; per Oceana, MI claim $27,700; Oceana, MI claim-stress 72/100.
Oceana, MI monthly score rose, 0 (March 2026) to 65 (October 2026); Oceana, MI by month: March 0, April 0, May 7, June 7 (Oceana, MI), July 41, August 40, September 40, October 65.
Oceana, MI components: climate 60, NFIP claims 72; Oceana, MI retreat index 65.
Construction distress, Oceana, MI: 51/100 as of August 2026 (Oceana, MI: 51/100 one-to-four unit, 9/100 multifamily).
Oceana, MI ZIPs, June 2026 (Oceana, MI, 12 highest): score 0 (Oceana, MI), climate 58 (Oceana, MI): 49425; score 0 (Oceana, MI), climate 56 (Oceana, MI): 49437; score 0 (Oceana, MI), climate 46 (Oceana, MI): 49412; score 0 (Oceana, MI), climate 39 (Oceana, MI): 49421; score 0 (Oceana, MI), climate 35 (Oceana, MI): 49459; score 0 (Oceana, MI), climate 34 (Oceana, MI): 49420, 49436, 49446, 49452, Oceana, MI 49455; score 0 (Oceana, MI), climate 31 (Oceana, MI): 49449; score 0 (Oceana, MI), climate 20 (Oceana, MI): 49402.
DLRadar rescores Oceana, MI monthly; Oceana, MI readings join Oceana, MI foreclosure, lien and ownership parcels (Oceana, MI), so cost-squeezed Oceana, MI owners surface before listing.
Inside Michigan, Oceana County ranks 17th of 83 counties for home-insurance distress at 60/100; Montcalm County (60/100) sits just above Oceana County, and Roscommon County (60/100) sits just below Oceana County.
Deterministic. Every Oceana County, MI signal traces to a public Oceana dataset (FEMA, NFIP, Census for Oceana, MI) · how insurance distress works in Oceana, MI · methodology
FAQ: Oceana County, MI insurance distress
What is the Oceana County, MI home-insurance-distress score?
Oceana, MI: 60/100 (MEDIUM), #887 of 3,222, #17 in Michigan. FEMA hazard, Oceana, MI: 52/100; NFIP stress, Oceana, MI: 72/100; construction, Oceana, MI: 51/100; Oceana, MI rescores monthly.
Is Oceana County insurance distress getting better or worse (MI)?
Oceana, MI: 0 in March 2026; Oceana, MI: 65 in October 2026 (worse); Oceana, MI climate component 60; Oceana, MI NFIP claims score 72.
How many flood-insurance claims has Oceana County, MI had?
Oceana, MI: 3 NFIP claims, three years; Oceana, MI paid $83,100; per Oceana, MI claim $27,700; carriers reprice Oceana, MI against that record.
Which Oceana County ZIP codes carry the most insurance distress (MI)?
Oceana, MI, June 2026: 49425 at 0, 49437 at 0, 49412 at 0, 49421 at 0; Oceana, MI climate scores there: 58, 56, 46, 39.
Why does Oceana, MI insurance distress create sellers?
A Oceana, MI premium outruns the Oceana, MI budget; a carrier leaves Oceana, MI; Oceana, MI carrying cost passes plan; Oceana, MI owners sell while current; Oceana, MI insurance distress leads Oceana, MI foreclosure data.