Oscoda County, MI: Home-Insurance Distress & Forced-Sale Pressure
Oscoda County, MI: 27/100 (moderate) home-insurance distress; Oscoda, MI band LOW; Oscoda, MI #1,743 of 3,222 counties; Oscoda, MI #44 of 83 in Michigan; raw Oscoda, MI 31.2; Oscoda, MI coverage multiplier 0.85.
FEMA hazard, Oscoda, MI: 52/100; Oscoda, MI declarations, three years: 4; Oscoda, MI perils: 2 flood; Oscoda, MI five-year count 2 (severity 4.0); Oscoda, MI ten-year 2; hazard-weighted, Oscoda, MI: 4.0.
Declared incidents on the Oscoda, MI record: 2026 Flood 3; 2025 Severe Ice Storm 3 (Oscoda, MI).
NFIP claims, Oscoda, MI, three years: none; Oscoda, MI claim-stress 0/100.
Oscoda, MI monthly score rose, 0 (March 2026) to 30 (October 2026); Oscoda, MI by month: March 0, April 0, May 0, June 0 (Oscoda, MI), July 27, August 26, September 27, October 30.
Oscoda, MI components: climate 60; Oscoda, MI retreat index 30; Oscoda, MI climate multiplier 0.85.
Construction distress, Oscoda, MI: 43/100 as of August 2026 (Oscoda, MI: 42/100 one-to-four unit, 13/100 multifamily).
Oscoda, MI ZIPs, June 2026 (Oscoda, MI, 8 highest): score 0 (Oscoda, MI), climate 27 (Oscoda, MI): 48654; score 0 (Oscoda, MI), climate 23 (Oscoda, MI): 48761; score 0 (Oscoda, MI), climate 14 (Oscoda, MI): 48728; score 0 (Oscoda, MI), climate 12 (Oscoda, MI): 48619, 48621, 48636, 48647, Oscoda, MI 49756.
DLRadar rescores Oscoda, MI monthly; Oscoda, MI readings join Oscoda, MI foreclosure, lien and ownership parcels (Oscoda, MI), so cost-squeezed Oscoda, MI owners surface before listing.
Inside Michigan, Oscoda County ranks 44th of 83 counties for home-insurance distress at 27/100; Ogemaw County (27/100) sits just above Oscoda County, and Presque Isle County (27/100) sits just below Oscoda County.
Deterministic. Every Oscoda County, MI signal traces to a public Oscoda dataset (FEMA, NFIP, Census for Oscoda, MI) · how insurance distress works in Oscoda, MI · methodology
FAQ: Oscoda County, MI insurance distress
What is the Oscoda County, MI home-insurance-distress score?
Oscoda, MI: 27/100 (LOW), #1,743 of 3,222, #44 in Michigan. FEMA hazard, Oscoda, MI: 52/100; NFIP stress, Oscoda, MI: 0/100; construction, Oscoda, MI: 43/100; Oscoda, MI rescores monthly.
Is Oscoda County insurance distress getting better or worse (MI)?
Oscoda, MI: 0 in March 2026; Oscoda, MI: 30 in October 2026 (worse); Oscoda, MI climate component 60.
Which Oscoda County ZIP codes carry the most insurance distress (MI)?
Oscoda, MI, June 2026: 48654 at 0, 48761 at 0, 48728 at 0, 48619 at 0; Oscoda, MI climate scores there: 27, 23, 14, 12.
Why does Oscoda, MI insurance distress create sellers?
A Oscoda, MI premium outruns the Oscoda, MI budget; a carrier leaves Oscoda, MI; Oscoda, MI carrying cost passes plan; Oscoda, MI owners sell while current; Oscoda, MI insurance distress leads Oscoda, MI foreclosure data.