North Dakota Home-Insurance Distress by County

Home-insurance distress across North Dakota is below the national average, with an average county insurance-distress score of 12/100 — the 46th-highest of the 52 states and territories DLRadar scores. DLRadar tracks all 53 North Dakota counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers, often well before any foreclosure filing appears.

Statewide, the pressure is driven by an average FEMA hazard score of 21/100 and average NFIP flood-claim stress of 3/100. These are the exposures carriers price against and increasingly decline to renew, and they are why premiums in North Dakota keep climbing faster than incomes.

Over the trailing three years, North Dakota counties recorded 10 NFIP flood claims totaling $13,658 paid — the loss history that insurers convert directly into higher premiums and thinner coverage the following renewal cycle.

The sharpest pressure concentrates in Cass County (52/100, #977 nationally) and Mckenzie County. The county-by-county breakdown below ranks every North Dakota market by insurance distress, each linking to its full report.

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 North Dakota you can find the owners whose breaking point is the insurance bill, before they list.