Cook County, MN: Home-Insurance Distress & Forced-Sale Pressure
Cook County, MN: 27/100 (moderate) home-insurance distress; Cook, MN band LOW; Cook, MN #1,747 of 3,222 counties; Cook, MN #22 of 87 in Minnesota; raw Cook, MN 31.2; Cook, MN coverage multiplier 0.85.
FEMA hazard, Cook, MN: 52/100; Cook, MN declarations, three years: 2; Cook, MN perils: 2 flood; Cook, MN five-year count 3 (severity 4.5); Cook, MN ten-year 3; hazard-weighted, Cook, MN: 4.0.
Declared incidents on the Cook, MN record: 2024 Flood 3 (Cook, MN).
NFIP claims, Cook, MN, three years: none; Cook, MN claim-stress 0/100.
Cook, MN monthly score fell, 33 (March 2026) to 30 (October 2026); Cook, MN by month: March 33, April 33, May 30, June 30 (Cook, MN), July 36, August 36, September 27, October 30.
Cook, MN components: climate 60; Cook, MN retreat index 30; Cook, MN climate multiplier 0.85.
Construction distress, Cook, MN: 44/100 as of August 2026 (Cook, MN: 44/100 one-to-four unit, 0/100 multifamily).
Cook, MN ZIPs, June 2026 (Cook, MN, 6 highest): score 0 (Cook, MN), climate 11 (Cook, MN): 55604, 55605, 55606, 55612, Cook, MN 55613, 55615.
DLRadar rescores Cook, MN monthly; Cook, MN readings join Cook, MN foreclosure, lien and ownership parcels (Cook, MN), so cost-squeezed Cook, MN owners surface before listing.
Inside Minnesota, Cook County ranks 22nd of 87 counties for home-insurance distress at 27/100; Cass County (27/100) sits just above Cook County, and Faribault County (27/100) sits just below Cook County.
Deterministic. Every Cook County, MN signal traces to a public Cook dataset (FEMA, NFIP, Census for Cook, MN) · how insurance distress works in Cook, MN · methodology
FAQ: Cook County, MN insurance distress
What is the Cook County, MN home-insurance-distress score?
Cook, MN: 27/100 (LOW), #1,747 of 3,222, #22 in Minnesota. FEMA hazard, Cook, MN: 52/100; NFIP stress, Cook, MN: 0/100; construction, Cook, MN: 44/100; Cook, MN rescores monthly.
Is Cook County insurance distress getting better or worse (MN)?
Cook, MN: 33 in March 2026; Cook, MN: 30 in October 2026 (better); Cook, MN climate component 60.
Which Cook County ZIP codes carry the most insurance distress (MN)?
Cook, MN, June 2026: 55604 at 0, 55605 at 0, 55606 at 0, 55612 at 0; Cook, MN climate scores there: 11, 11, 11, 11.
Why does Cook, MN insurance distress create sellers?
A Cook, MN premium outruns the Cook, MN budget; a carrier leaves Cook, MN; Cook, MN carrying cost passes plan; Cook, MN owners sell while current; Cook, MN insurance distress leads Cook, MN foreclosure data.