Minnesota Home-Insurance Distress by County

Minnesota reads below the national average for home-insurance distress — an average county score of 19/100, 38th-highest of 52 states and territories. DLRadar tracks all 87 Minnesota counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

In 1 Minnesota counties the score tops 70 (severe) — the markets where keeping a policy is the real problem.

The Minnesota average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

Behind the state number sit an average FEMA hazard score of 19/100 and average NFIP flood-claim stress of 22/100, the hazard basis insurers use to reprice Minnesota coverage.

The Minnesota insurance-distress score is a composite rather than a single premium figure: it blends FEMA physical-hazard exposure, NFIP flood-claim history, and a carrier-pressure proxy that captures where insurers are raising rates or declining to renew, so a county can rank high on hazard yet moderate on realized losses, or the reverse.

NFIP paid $5,793,883 across 155 Minnesota flood claims in three years; that ledger is what reprices coverage statewide.

The Minnesota numbers refresh monthly as FEMA hazard revisions, new NFIP claim settlements and carrier filings arrive, so the state's 19/100 average and county ranking reflect the current renewal environment rather than a stale historical read.

Treated properly, Minnesota's insurance distress is a lead source: it flags owners whose breaking point is the policy, and the ranked counties below are where to start.

St. Louis County leads Minnesota at 77/100, with Le Sueur County close behind. Below, every Minnesota county is ordered by insurance distress and links through to its detail page.

Across Minnesota, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. That surfaces Minnesota's insurance-squeezed sellers ahead of the market.