Bottineau County, ND: Home-Insurance Distress & Forced-Sale Pressure

DLRadar grades Bottineau County, North Dakota at 0/100 for home-insurance distress, a low level that places it #2921 of 3,222 counties, in the lower-risk band nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.

Bottineau County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.

With construction distress at 91/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

Put the 0/100 hazard reading next to 0/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

DLRadar does not treat 0/100 as a standalone number — the Bottineau 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.

With 0 flood claims and $0 in payouts on the three-year record, Bottineau County gives underwriters a concrete reason to reprice or exit.

The pressure here is driven by a FEMA hazard score of 0/100; NFIP flood-claim stress of 0/100 over three years — the exposures carriers price against and increasingly decline to renew.

A low level of 0/100 in Bottineau County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. The point is reaching those owners while carrying cost is still the problem, not after the filing.