Montana Home-Insurance Distress by County

Across Montana, insurance distress averages 10/100 at the county level — below the national average, ranking 48th nationally. DLRadar tracks all 56 Montana counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

Because Montana is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #48 national rank and county order move with actual conditions, not a fixed snapshot.

Behind the state number sit an average FEMA hazard score of 17/100 and average NFIP flood-claim stress of 3/100, the hazard basis insurers use to reprice Montana coverage.

For anyone sourcing acquisitions in Montana, the value of a state-level insurance read is that it points to which counties to open first: a below the national average average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

Insurance pressure in Montana is most useful read against the rest: DLRadar aligns it with foreclosure, lender-stress and ownership data county by county, separating owners squeezed only by premiums from those under broader strain.

Underneath the Montana headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

For Montana, the practical value is early identification — coverage-pressured owners surface here before they appear in any foreclosure feed, county by county down the list.

Montana's three-year flood-loss record — 6 claims, $17,643 paid — is the evidence carriers cite for pullback.

At the top of the Montana table sits Lincoln County (61/100) and Wheatland County. All Montana counties are listed below in distress order, each one clickable for the detail.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. So in Montana you can find the owners whose breaking point is the insurance bill, before they list.