Barnes County, ND: Home-Insurance Distress & Forced-Sale Pressure
Barnes County, ND: 27/100 (moderate) home-insurance distress; Barnes, ND band LOW; Barnes, ND #1,768 of 3,222 counties; Barnes, ND #4 of 53 in North Dakota; raw Barnes, ND 35.3; Barnes, ND coverage multiplier 0.85.
FEMA hazard, Barnes, ND: 52/100; Barnes, ND declarations, three years: 9; Barnes, ND perils: 6 severe-storm; Barnes, ND five-year count 12 (severity 19.5); Barnes, ND ten-year 12; hazard-weighted, Barnes, ND: 6.0.
Declared incidents on the Barnes, ND record: 2025 Severe Storm 4; 2024 Winter Storm 2 (Barnes, ND); 2023 Flood 1 (Barnes, ND).
NFIP claims, Barnes, ND, three years: none; Barnes, ND claim-stress 0/100.
Barnes, ND monthly score fell, 33 (March 2026) to 26 (October 2026); Barnes, ND by month: March 33, April 33, May 30, June 30 (Barnes, ND), July 27, August 26, September 27, October 26.
Barnes, ND components: climate 52; Barnes, ND retreat index 26; Barnes, ND climate multiplier 0.85.
Construction distress, Barnes, ND: 67/100 as of August 2026 (Barnes, ND: 66/100 one-to-four unit, 10/100 multifamily).
Barnes, ND ZIPs, June 2026 (Barnes, ND, 16 highest): score 0 (Barnes, ND), climate 75 (Barnes, ND): 58064; score 0 (Barnes, ND), climate 68 (Barnes, ND): 58071; score 0 (Barnes, ND), climate 67 (Barnes, ND): 58031; score 0 (Barnes, ND), climate 50 (Barnes, ND): 58497; score 0 (Barnes, ND), climate 49 (Barnes, ND): 58027; score 0 (Barnes, ND), climate 47 (Barnes, ND): 58481; score 0 (Barnes, ND), climate 45 (Barnes, ND): 58063, 58065, 58072, 58479, Barnes, ND 58480; score 0 (Barnes, ND), climate 44 (Barnes, ND): 58429; score 0 (Barnes, ND), climate 40 (Barnes, ND): 58492; score 0 (Barnes, ND), climate 36 (Barnes, ND): 58049; score 0 (Barnes, ND), climate 33 (Barnes, ND): 58062; score 0 (Barnes, ND), climate 31 (Barnes, ND): 58461.
DLRadar rescores Barnes, ND monthly; Barnes, ND readings join Barnes, ND foreclosure, lien and ownership parcels (Barnes, ND), so cost-squeezed Barnes, ND owners surface before listing.
Inside North Dakota, Barnes County ranks 4th of 53 counties for home-insurance distress at 27/100; Williams County (32/100) sits just above Barnes County, and Griggs County (27/100) sits just below Barnes County.
Deterministic. Every Barnes County, ND signal traces to a public Barnes dataset (FEMA, NFIP, Census for Barnes, ND) · how insurance distress works in Barnes, ND · methodology
FAQ: Barnes County, ND insurance distress
What is the Barnes County, ND home-insurance-distress score?
Barnes, ND: 27/100 (LOW), #1,768 of 3,222, #4 in North Dakota. FEMA hazard, Barnes, ND: 52/100; NFIP stress, Barnes, ND: 0/100; construction, Barnes, ND: 67/100; Barnes, ND rescores monthly.
Is Barnes County insurance distress getting better or worse (ND)?
Barnes, ND: 33 in March 2026; Barnes, ND: 26 in October 2026 (better); Barnes, ND climate component 52.
Which Barnes County ZIP codes carry the most insurance distress (ND)?
Barnes, ND, June 2026: 58064 at 0, 58071 at 0, 58031 at 0, 58497 at 0; Barnes, ND climate scores there: 75, 68, 67, 50.
Why does Barnes, ND insurance distress create sellers?
A Barnes, ND premium outruns the Barnes, ND budget; a carrier leaves Barnes, ND; Barnes, ND carrying cost passes plan; Barnes, ND owners sell while current; Barnes, ND insurance distress leads Barnes, ND foreclosure data.