Fergus County, MT: Home-Insurance Distress & Forced-Sale Pressure

Fergus County, Montana carries a low home-insurance-distress reading of 21/100 — ranked #2161 nationally, in the lower-risk band nationally. More and more, it is the insurance bill rather than the mortgage that turns a Fergus County owner into a seller.

The federal flood record here -- 0 claims at roughly $0 each -- is the loss experience premiums are built on.

A 41/100 hazard base sitting alongside 0/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.

Fergus County's 21/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

Driving it: a FEMA hazard score of 41/100; NFIP flood-claim stress of 0/100 over three years, all of which push carriers toward higher rates or non-renewal.

DLRadar does not treat 21/100 as a standalone number — the Fergus County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

A 100/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

Fergus County's 21/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #2161 position shifts between updates.

DLRadar rebuilds insurance distress nationwide each month and wires Fergus County score into the parcel-level foreclosure and ownership graph. The payoff is early contact with insurance-pressured sellers, not late.