Cottonwood County, MN: Home-Insurance Distress & Forced-Sale Pressure
Cottonwood County, MN: 63/100 (elevated) home-insurance distress; Cottonwood, MN band MEDIUM; Cottonwood, MN #823 of 3,222 counties; Cottonwood, MN #8 of 87 in Minnesota.
FEMA hazard, Cottonwood, MN: 52/100; Cottonwood, MN declarations, three years: 2; Cottonwood, MN perils: 2 flood; Cottonwood, MN five-year count 3 (severity 4.5); Cottonwood, MN ten-year 3; hazard-weighted, Cottonwood, MN: 4.0.
Declared incidents on the Cottonwood, MN record: 2024 Flood 3 (Cottonwood, MN).
NFIP claims, Cottonwood, MN, three years: 23; Cottonwood, MN payouts $286,400; per Cottonwood, MN claim $12,452; Cottonwood, MN claim-stress 79/100.
Cottonwood, MN monthly score fell, 71 (March 2026) to 67 (October 2026); Cottonwood, MN by month: March 71, April 71, May 67, June 67 (Cottonwood, MN), July 75, August 75, September 64, October 67.
Cottonwood, MN components: climate 60, NFIP claims 79; Cottonwood, MN retreat index 67.
Construction distress, Cottonwood, MN: 42/100 as of August 2026 (Cottonwood, MN: 66/100 one-to-four unit, 2/100 multifamily).
Cottonwood, MN ZIPs, June 2026 (Cottonwood, MN, 13 highest): score 0 (Cottonwood, MN), climate 46 (Cottonwood, MN): 56019; score 0 (Cottonwood, MN), climate 39 (Cottonwood, MN): 56083; score 0 (Cottonwood, MN), climate 34 (Cottonwood, MN): 56152, 56180; score 0 (Cottonwood, MN), climate 33 (Cottonwood, MN): 56131, 56166; score 0 (Cottonwood, MN), climate 29 (Cottonwood, MN): 56101, 56118, 56137, 56145, Cottonwood, MN 56159, 56174; score 0 (Cottonwood, MN), climate 27 (Cottonwood, MN): 56183.
DLRadar rescores Cottonwood, MN monthly; Cottonwood, MN readings join Cottonwood, MN foreclosure, lien and ownership parcels (Cottonwood, MN), so cost-squeezed Cottonwood, MN owners surface before listing.
Inside Minnesota, Cottonwood County ranks 8th of 87 counties for home-insurance distress at 63/100; Jackson County (65/100) sits just above Cottonwood County, and Nicollet County (61/100) sits just below Cottonwood County.
Deterministic. Every Cottonwood County, MN signal traces to a public Cottonwood dataset (FEMA, NFIP, Census for Cottonwood, MN) · how insurance distress works in Cottonwood, MN · methodology
FAQ: Cottonwood County, MN insurance distress
What is the Cottonwood County, MN home-insurance-distress score?
Cottonwood, MN: 63/100 (MEDIUM), #823 of 3,222, #8 in Minnesota. FEMA hazard, Cottonwood, MN: 52/100; NFIP stress, Cottonwood, MN: 79/100; construction, Cottonwood, MN: 42/100; Cottonwood, MN rescores monthly.
Is Cottonwood County insurance distress getting better or worse (MN)?
Cottonwood, MN: 71 in March 2026; Cottonwood, MN: 67 in October 2026 (better); Cottonwood, MN climate component 60; Cottonwood, MN NFIP claims score 79.
How many flood-insurance claims has Cottonwood County, MN had?
Cottonwood, MN: 23 NFIP claims, three years; Cottonwood, MN paid $286,400; per Cottonwood, MN claim $12,452; carriers reprice Cottonwood, MN against that record.
Which Cottonwood County ZIP codes carry the most insurance distress (MN)?
Cottonwood, MN, June 2026: 56019 at 0, 56083 at 0, 56152 at 0, 56180 at 0; Cottonwood, MN climate scores there: 46, 39, 34, 34.
Why does Cottonwood, MN insurance distress create sellers?
A Cottonwood, MN premium outruns the Cottonwood, MN budget; a carrier leaves Cottonwood, MN; Cottonwood, MN carrying cost passes plan; Cottonwood, MN owners sell while current; Cottonwood, MN insurance distress leads Cottonwood, MN foreclosure data.