St. Louis County, MN: Home-Insurance Distress & Forced-Sale Pressure
St. Louis County, MN: 75/100 (severe) home-insurance distress; St. Louis, MN band MEDIUM; St. Louis, MN #495 of 3,222 counties; St. Louis, MN #1 of 87 in Minnesota.
FEMA hazard, St. Louis, MN: 68/100; St. Louis, MN declarations, three years: 4; St. Louis, MN perils: 2 flood, 2 fire; St. Louis, MN five-year count 9 (severity 13.5); St. Louis, MN ten-year 9; hazard-weighted, St. Louis, MN: 8.0.
Declared incidents on the St. Louis, MN record: 2025 Fire 3; 2024 Flood 3 (St. Louis, MN); 2023 Flood 1 (St. Louis, MN).
NFIP claims, St. Louis, MN, three years: 6; St. Louis, MN payouts $437,786; per St. Louis, MN claim $72,964; St. Louis, MN claim-stress 86/100.
St. Louis, MN monthly score fell, 82 (March 2026) to 81 (October 2026); St. Louis, MN by month: March 82, April 82, May 79, June 79 (St. Louis, MN), July 86, August 89, September 77, October 81.
St. Louis, MN components: climate 77, NFIP claims 86; St. Louis, MN retreat index 81.
Construction distress, St. Louis, MN: 1/100 as of August 2026 (St. Louis, MN: 44/100 one-to-four unit, 0/100 multifamily).
St. Louis, MN ZIPs, June 2026 (St. Louis, MN, 16 highest): score 0 (St. Louis, MN), climate 92 (St. Louis, MN): 55702, 55703, 55705, 55706, St. Louis, MN 55708, 55710, 55711, 55713, St. Louis, MN 55717, 55719, 55724, 55725, St. Louis, MN 55732, 55734, 55738, 55741.
DLRadar rescores St. Louis, MN monthly; St. Louis, MN readings join St. Louis, MN foreclosure, lien and ownership parcels (St. Louis, MN), so cost-squeezed St. Louis, MN owners surface before listing.
Inside Minnesota, St. Louis County ranks 1st of 87 counties for home-insurance distress at 75/100; Le Sueur County (68/100) sits just below St. Louis County.
Deterministic. Every St. Louis County, MN signal traces to a public St. Louis dataset (FEMA, NFIP, Census for St. Louis, MN) · how insurance distress works in St. Louis, MN · methodology
FAQ: St. Louis County, MN insurance distress
What is the St. Louis County, MN home-insurance-distress score?
St. Louis, MN: 75/100 (MEDIUM), #495 of 3,222, #1 in Minnesota. FEMA hazard, St. Louis, MN: 68/100; NFIP stress, St. Louis, MN: 86/100; construction, St. Louis, MN: 1/100; St. Louis, MN rescores monthly.
Is St. Louis County insurance distress getting better or worse (MN)?
St. Louis, MN: 82 in March 2026; St. Louis, MN: 81 in October 2026 (better); St. Louis, MN climate component 77; St. Louis, MN NFIP claims score 86.
How many flood-insurance claims has St. Louis County, MN had?
St. Louis, MN: 6 NFIP claims, three years; St. Louis, MN paid $437,786; per St. Louis, MN claim $72,964; carriers reprice St. Louis, MN against that record.
Which St. Louis County ZIP codes carry the most insurance distress (MN)?
St. Louis, MN, June 2026: 55702 at 0, 55703 at 0, 55705 at 0, 55706 at 0; St. Louis, MN climate scores there: 92, 92, 92, 92.
Why does St. Louis, MN insurance distress create sellers?
A St. Louis, MN premium outruns the St. Louis, MN budget; a carrier leaves St. Louis, MN; St. Louis, MN carrying cost passes plan; St. Louis, MN owners sell while current; St. Louis, MN insurance distress leads St. Louis, MN foreclosure data.