Carlton County, MN: Home-Insurance Distress & Forced-Sale Pressure
Carlton County, MN: 5/100 (low) home-insurance distress; Carlton, MN band LOW; Carlton, MN #2,456 of 3,222 counties; Carlton, MN #42 of 87 in Minnesota; raw Carlton, MN 6.1; Carlton, MN coverage multiplier 0.85.
FEMA hazard, Carlton, MN: 0/100; Carlton, MN declarations, three years: none; Carlton, MN five-year count 3 (severity 3.0); Carlton, MN ten-year 3.
Declared incidents on the Carlton, MN record: 2023 Flood 1 (Carlton, MN).
NFIP claims, Carlton, MN, three years: 1; Carlton, MN payouts $0; per Carlton, MN claim $0; Carlton, MN claim-stress 15/100.
Carlton, MN monthly score fell, 6 (March 2026) to 5 (October 2026); Carlton, MN by month: March 6, April 6, May 5, June 5 (Carlton, MN), July 5, August 5, September 5, October 5.
Carlton, MN components: NFIP claims 15; Carlton, MN retreat index 5; Carlton, MN climate multiplier 0.85.
Construction distress, Carlton, MN: 21/100 as of August 2026 (Carlton, MN: 40/100 one-to-four unit, 2/100 multifamily).
Carlton, MN ZIPs, June 2026 (Carlton, MN, 15 highest): score 0 (Carlton, MN), climate 90 (Carlton, MN): 55810; score 0 (Carlton, MN), climate 80 (Carlton, MN): 55720; score 0 (Carlton, MN), climate 74 (Carlton, MN): 55798; score 0 (Carlton, MN), climate 72 (Carlton, MN): 55707, 55718, 55726, 55733, Carlton, MN 55757, 55767, 55780, 55797; score 0 (Carlton, MN), climate 70 (Carlton, MN): 55749; score 0 (Carlton, MN), climate 64 (Carlton, MN): 55756; score 0 (Carlton, MN), climate 61 (Carlton, MN): 55783; score 0 (Carlton, MN), climate 56 (Carlton, MN): 55787.
DLRadar rescores Carlton, MN monthly; Carlton, MN readings join Carlton, MN foreclosure, lien and ownership parcels (Carlton, MN), so cost-squeezed Carlton, MN owners surface before listing.
Inside Minnesota, Carlton County ranks 42nd of 87 counties for home-insurance distress at 5/100; Ramsey County (7/100) sits just above Carlton County, and Scott County (5/100) sits just below Carlton County.
Deterministic. Every Carlton County, MN signal traces to a public Carlton dataset (FEMA, NFIP, Census for Carlton, MN) · how insurance distress works in Carlton, MN · methodology
FAQ: Carlton County, MN insurance distress
What is the Carlton County, MN home-insurance-distress score?
Carlton, MN: 5/100 (LOW), #2,456 of 3,222, #42 in Minnesota. FEMA hazard, Carlton, MN: 0/100; NFIP stress, Carlton, MN: 15/100; construction, Carlton, MN: 21/100; Carlton, MN rescores monthly.
Is Carlton County insurance distress getting better or worse (MN)?
Carlton, MN: 6 in March 2026; Carlton, MN: 5 in October 2026 (better); Carlton, MN NFIP claims score 15.
How many flood-insurance claims has Carlton County, MN had?
Carlton, MN: 1 NFIP claims, three years; Carlton, MN paid $0; per Carlton, MN claim $0; carriers reprice Carlton, MN against that record.
Which Carlton County ZIP codes carry the most insurance distress (MN)?
Carlton, MN, June 2026: 55810 at 0, 55720 at 0, 55798 at 0, 55707 at 0; Carlton, MN climate scores there: 90, 80, 74, 72.
Why does Carlton, MN insurance distress create sellers?
A Carlton, MN premium outruns the Carlton, MN budget; a carrier leaves Carlton, MN; Carlton, MN carrying cost passes plan; Carlton, MN owners sell while current; Carlton, MN insurance distress leads Carlton, MN foreclosure data.