Eddy County, ND: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Eddy County, North Dakota reads low (21/100), in the lower-risk band nationally — #2198 nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
Three years of NFIP activity in Eddy County comes to 0 claims worth $0, and that ledger is what carriers price against.
Each month new hazard revisions and claim settlements refresh Eddy County, keeping its insurance-distress score aligned with the live market.
Eddy County's 21/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
The 21/100 signal is only useful next to the rest: in Eddy County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.
Construction distress sits at 46/100, so the replacement cost insurers underwrite against is elevated here.
The pressure here is driven by a FEMA hazard score of 41/100; NFIP flood-claim stress of 0/100 over three years — the exposures carriers price against and increasingly decline to renew.
Hazard exposure of 41/100 alongside 0/100 in flood-claim stress is the combination that turns Eddy County owners into insurance-motivated sellers.
One model, every county, refreshed monthly from federal hazard and carrier data, tied back to individual parcels and their liens. The point is reaching those owners while carrying cost is still the problem, not after the filing.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Eddy County insurance distress — FAQ
Is home insurance a problem for owners in Eddy County, North Dakota?
Eddy County scores 21/100 for home-insurance distress (LOW), ranking #2198 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (41/100), NFIP flood-claim stress (0/100) and carrier pressure, updated monthly from public federal data.
How much has flood insurance paid out in Eddy County?
In the last three years NFIP settled 0 flood claims in Eddy County totaling $0, near $0 per claim. Insurers read that ledger directly into premiums and renewal decisions.
What links coverage pressure to motivated sellers in Eddy County?
When premiums in Eddy County rise faster than owners budgeted - or carriers stop writing policies altogether - the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.