Lake County, MN: Home-Insurance Distress & Forced-Sale Pressure
Lake County, MN: 27/100 (moderate) home-insurance distress; Lake, MN band LOW; Lake, MN #1,751 of 3,222 counties; Lake, MN #26 of 87 in Minnesota; raw Lake, MN 31.2; Lake, MN coverage multiplier 0.85.
FEMA hazard, Lake, MN: 52/100; Lake, MN declarations, three years: 2; Lake, MN perils: 2 flood; Lake, MN five-year count 3 (severity 4.5); Lake, MN ten-year 3; hazard-weighted, Lake, MN: 4.0.
Declared incidents on the Lake, MN record: 2024 Flood 2 (Lake, MN).
NFIP claims, Lake, MN, three years: none; Lake, MN claim-stress 0/100.
Lake, MN monthly score fell, 33 (March 2026) to 30 (October 2026); Lake, MN by month: March 33, April 33, May 30, June 30 (Lake, MN), July 36, August 36, September 27, October 30.
Lake, MN components: climate 60; Lake, MN retreat index 30; Lake, MN climate multiplier 0.85.
Construction distress, Lake, MN: 39/100 as of August 2026 (Lake, MN: 47/100 one-to-four unit, 0/100 multifamily).
Lake, MN ZIPs, June 2026 (Lake, MN, 9 highest): score 0 (Lake, MN), climate 87 (Lake, MN): 55602; score 0 (Lake, MN), climate 63 (Lake, MN): 55731; score 0 (Lake, MN), climate 61 (Lake, MN): 55796; score 0 (Lake, MN), climate 41 (Lake, MN): 55616; score 0 (Lake, MN), climate 36 (Lake, MN): 55601, 55603, 55607, 55609, Lake, MN 55614.
DLRadar rescores Lake, MN monthly; Lake, MN readings join Lake, MN foreclosure, lien and ownership parcels (Lake, MN), so cost-squeezed Lake, MN owners surface before listing.
Inside Minnesota, Lake County ranks 26th of 87 counties for home-insurance distress at 27/100; Itasca County (27/100) sits just above Lake County, and Mcleod County (27/100) sits just below Lake County.
Deterministic. Every Lake County, MN signal traces to a public Lake dataset (FEMA, NFIP, Census for Lake, MN) · how insurance distress works in Lake, MN · methodology
FAQ: Lake County, MN insurance distress
What is the Lake County, MN home-insurance-distress score?
Lake, MN: 27/100 (LOW), #1,751 of 3,222, #26 in Minnesota. FEMA hazard, Lake, MN: 52/100; NFIP stress, Lake, MN: 0/100; construction, Lake, MN: 39/100; Lake, MN rescores monthly.
Is Lake County insurance distress getting better or worse (MN)?
Lake, MN: 33 in March 2026; Lake, MN: 30 in October 2026 (better); Lake, MN climate component 60.
Which Lake County ZIP codes carry the most insurance distress (MN)?
Lake, MN, June 2026: 55602 at 0, 55731 at 0, 55796 at 0, 55616 at 0; Lake, MN climate scores there: 87, 63, 61, 41.
Why does Lake, MN insurance distress create sellers?
A Lake, MN premium outruns the Lake, MN budget; a carrier leaves Lake, MN; Lake, MN carrying cost passes plan; Lake, MN owners sell while current; Lake, MN insurance distress leads Lake, MN foreclosure data.