Fergus County, MT: Home-Insurance Distress & Forced-Sale Pressure
Fergus County, MT: 20/100 (low) home-insurance distress; Fergus, MT band LOW; Fergus, MT #2,291 of 3,222 counties; Fergus, MT #11 of 56 in Montana; raw Fergus, MT 24.1; Fergus, MT coverage multiplier 0.85.
FEMA hazard, Fergus, MT: 40/100; Fergus, MT declarations, three years: 1; Fergus, MT perils: 1 severe-storm; Fergus, MT five-year count 6 (severity 7.5); Fergus, MT ten-year 6; hazard-weighted, Fergus, MT: 1.0.
Declared incidents on the Fergus, MT record: 2024 Severe Storm 1; 2023 Flood 2 (Fergus, MT).
NFIP claims, Fergus, MT, three years: none; Fergus, MT claim-stress 0/100.
Fergus, MT monthly score fell, 26 (March 2026) to 20 (October 2026); Fergus, MT by month: March 26, April 26, May 24, June 24 (Fergus, MT), July 23, August 21, September 21, October 20.
Fergus, MT components: climate 40; Fergus, MT retreat index 20; Fergus, MT climate multiplier 0.85.
Construction distress, Fergus, MT: 0/100 as of August 2026 (Fergus, MT: 0/100 one-to-four unit, 0/100 multifamily).
Fergus, MT ZIPs, June 2026 (Fergus, MT, 11 highest): score 0 (Fergus, MT), climate 46 (Fergus, MT): 59441, 59451, 59457, 59471, Fergus, MT 59489; score 0 (Fergus, MT), climate 44 (Fergus, MT): 59430, 59464; score 0 (Fergus, MT), climate 36 (Fergus, MT): 59032; score 0 (Fergus, MT), climate 33 (Fergus, MT): 59424; score 0 (Fergus, MT), climate 15 (Fergus, MT): 59418; score 0 (Fergus, MT), climate 11 (Fergus, MT): 59453.
DLRadar rescores Fergus, MT monthly; Fergus, MT readings join Fergus, MT foreclosure, lien and ownership parcels (Fergus, MT), so cost-squeezed Fergus, MT owners surface before listing.
Inside Montana, Fergus County ranks 11th of 56 counties for home-insurance distress at 20/100; Chouteau County (20/100) sits just above Fergus County, and Hill County (20/100) sits just below Fergus County.
Deterministic. Every Fergus County, MT signal traces to a public Fergus dataset (FEMA, NFIP, Census for Fergus, MT) · how insurance distress works in Fergus, MT · methodology
FAQ: Fergus County, MT insurance distress
What is the Fergus County, MT home-insurance-distress score?
Fergus, MT: 20/100 (LOW), #2,291 of 3,222, #11 in Montana. FEMA hazard, Fergus, MT: 40/100; NFIP stress, Fergus, MT: 0/100; construction, Fergus, MT: 0/100; Fergus, MT rescores monthly.
Is Fergus County insurance distress getting better or worse (MT)?
Fergus, MT: 26 in March 2026; Fergus, MT: 20 in October 2026 (better); Fergus, MT climate component 40.
Which Fergus County ZIP codes carry the most insurance distress (MT)?
Fergus, MT, June 2026: 59441 at 0, 59451 at 0, 59457 at 0, 59471 at 0; Fergus, MT climate scores there: 46, 46, 46, 46.
Why does Fergus, MT insurance distress create sellers?
A Fergus, MT premium outruns the Fergus, MT budget; a carrier leaves Fergus, MT; Fergus, MT carrying cost passes plan; Fergus, MT owners sell while current; Fergus, MT insurance distress leads Fergus, MT foreclosure data.