North Dakota Home-Insurance Distress by County

North Dakota reads below the national average for home-insurance distress — an average county score of 11/100, 47th-highest of 52 states and territories. DLRadar tracks all 53 North Dakota counties for the rising premiums, non-renewals and carrier pullback that turn ordinary owners into motivated sellers — often before any foreclosure filing appears.

Because North Dakota is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #47 national rank and county order move with actual conditions, not a fixed snapshot.

Underneath the North Dakota 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.

North Dakota's three-year flood-loss record — 10 claims, $13,658 paid — is the evidence carriers cite for pullback.

Behind the state number sit an average FEMA hazard score of 20/100 and average NFIP flood-claim stress of 3/100, the hazard basis insurers use to reprice North Dakota coverage.

For anyone sourcing acquisitions in North Dakota, 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.

Treated properly, North Dakota's insurance distress is a lead source: it flags owners whose breaking point is the policy, and the ranked counties below are where to start.

Cass County leads North Dakota at 50/100, with Mckenzie County close behind. The county-by-county breakdown below ranks every North Dakota market by insurance distress, each linking to its full report.

Insurance pressure in North Dakota 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.

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. That surfaces North Dakota's insurance-squeezed sellers ahead of the market.