Stearns County, MN: Home-Insurance Distress & Forced-Sale Pressure
Stearns County, MN: 5/100 (low) home-insurance distress; Stearns, MN band LOW; Stearns, MN #2,458 of 3,222 counties; Stearns, MN #44 of 87 in Minnesota; raw Stearns, MN 6.1; Stearns, MN coverage multiplier 0.85.
FEMA hazard, Stearns, MN: 0/100; Stearns, MN declarations, three years: none.
NFIP claims, Stearns, MN, three years: 1; Stearns, MN payouts $0; per Stearns, MN claim $0; Stearns, MN claim-stress 15/100.
Stearns, MN monthly score rose, 0 (March 2026) to 5 (October 2026); Stearns, MN by month: March 0, April 0, May 0, June 0 (Stearns, MN), July 0, August 0, September 0, October 5.
Stearns, MN components: NFIP claims 15; Stearns, MN retreat index 5; Stearns, MN climate multiplier 0.85.
Construction distress, Stearns, MN: 81/100 as of August 2026 (Stearns, MN: 57/100 one-to-four unit, 99/100 multifamily).
Stearns, MN ZIPs, June 2026 (Stearns, MN, 16 highest): score 0 (Stearns, MN), climate 88 (Stearns, MN): 56301, 56303, 56307, 56310, Stearns, MN 56320, 56321, 56325, 56331, Stearns, MN 56335, 56352, 56356, 56368, Stearns, MN 56369, 56371, 56374, 56375.
DLRadar rescores Stearns, MN monthly; Stearns, MN readings join Stearns, MN foreclosure, lien and ownership parcels (Stearns, MN), so cost-squeezed Stearns, MN owners surface before listing.
Inside Minnesota, Stearns County ranks 44th of 87 counties for home-insurance distress at 5/100; Scott County (5/100) sits just above Stearns County, and Wright County (5/100) sits just below Stearns County.
Deterministic. Every Stearns County, MN signal traces to a public Stearns dataset (FEMA, NFIP, Census for Stearns, MN) · how insurance distress works in Stearns, MN · methodology
FAQ: Stearns County, MN insurance distress
What is the Stearns County, MN home-insurance-distress score?
Stearns, MN: 5/100 (LOW), #2,458 of 3,222, #44 in Minnesota. FEMA hazard, Stearns, MN: 0/100; NFIP stress, Stearns, MN: 15/100; construction, Stearns, MN: 81/100; Stearns, MN rescores monthly.
Is Stearns County insurance distress getting better or worse (MN)?
Stearns, MN: 0 in March 2026; Stearns, MN: 5 in October 2026 (worse); Stearns, MN NFIP claims score 15.
How many flood-insurance claims has Stearns County, MN had?
Stearns, MN: 1 NFIP claims, three years; Stearns, MN paid $0; per Stearns, MN claim $0; carriers reprice Stearns, MN against that record.
Which Stearns County ZIP codes carry the most insurance distress (MN)?
Stearns, MN, June 2026: 56301 at 0, 56303 at 0, 56307 at 0, 56310 at 0; Stearns, MN climate scores there: 88, 88, 88, 88.
Why does Stearns, MN insurance distress create sellers?
A Stearns, MN premium outruns the Stearns, MN budget; a carrier leaves Stearns, MN; Stearns, MN carrying cost passes plan; Stearns, MN owners sell while current; Stearns, MN insurance distress leads Stearns, MN foreclosure data.