Burke County, ND: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Burke County, North Dakota is currently low — an insurance-distress score of 0/100, in the lower-risk band nationally at #2923 of the 3,222 U.S. counties DLRadar scores. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.
Insurance distress rarely travels by itself, so DLRadar aligns Burke County's 0/100 with foreclosure, lien and ownership records — separating owners squeezed only by coverage from those under broader strain.
Burke County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
The federal flood record here -- 0 claims at roughly $0 each -- is the loss experience premiums are built on.
In practice, Burke County's low insurance-distress level (0/100, #2923 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.
Driving it: a FEMA hazard score of 0/100; NFIP flood-claim stress of 0/100 over three years, all of which push carriers toward higher rates or non-renewal.
Insurers set premiums from replacement cost, and at 5/100 that input is running hot in Burke County.
Hazard 0/100 plus flood-claim stress 0/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Burke County.
DLRadar rebuilds insurance distress nationwide each month and wires Burke County score into the parcel-level foreclosure and ownership graph. That is how coverage-pressured owners surface before they reach the open market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Burke County insurance distress — FAQ
Is home insurance a problem for owners in Burke County, North Dakota?
The current reading for Burke County is 0/100, derived deterministically from hazard, claim and carrier data.
What is the NFIP flood-claim history for Burke County?
In the last three years NFIP settled 0 flood claims in Burke County totaling $0, near $0 per claim. Insurers read that ledger directly into premiums and renewal decisions.
How does insurance cost turn into seller supply in Burke County?
A premium that outpaces the budget -- or a carrier that stops writing in Burke County altogether -- lifts carrying cost past what the owner planned for. Selling becomes the rational response, and it typically happens before any default appears in the record, which is why the signal leads rather than lags.