Burleigh County, ND: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Burleigh County, North Dakota reads low (21/100), in the lower-risk band nationally — #2197 nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
On its own 21/100 is half a picture, so Burleigh County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
Driving it: a FEMA hazard score of 41/100; NFIP flood-claim stress of 0/100 over three years, all of which push carriers toward higher rates or non-renewal.
Burleigh County's 21/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #2197 position shifts between updates.
Because premiums track rebuild cost, a 42/100 construction-distress reading in Burleigh County feeds straight through to what owners are quoted.
Hazard 41/100 plus flood-claim stress 0/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Burleigh County.
Practically, Burleigh County's 21/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.
Over the trailing three years, Burleigh County recorded 0 NFIP flood claims totaling $0 paid (about $0 per claim) — the loss history that pushes premiums up and coverage out.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. It turns a premium shock into a contactable seller list ahead of the listing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Burleigh County insurance distress — FAQ
What is the home-insurance-distress score for Burleigh County, North Dakota?
Burleigh County scores 21/100 -- a figure rebuilt monthly rather than carried forward.
What is the flood-claim history in Burleigh County?
Over the trailing three years, Burleigh County recorded 0 NFIP flood claims with $0 paid out, roughly $0 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why is insurance distress a leading signal in Burleigh County?
When coverage in Burleigh County becomes unaffordable or unavailable, the maths on holding the property changes. Owners in that position tend to list while still current on the mortgage, so the insurance signal arrives ahead of any foreclosure data.