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

Foster County, North Dakota carries a low home-insurance-distress reading of 21/100 — ranked #2195 nationally, in the lower-risk band nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

The federal flood record here -- 0 claims at roughly $0 each -- is the loss experience premiums are built on.

It is the combination -- 41/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

In practice, Foster County's low insurance-distress level (21/100, #2195 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.

Insurance distress rarely travels by itself, so DLRadar aligns Foster County's 21/100 with foreclosure, lien and ownership records — separating owners squeezed only by coverage from those under broader strain.

Construction distress sits at 59/100, so the replacement cost insurers underwrite against is elevated here.

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.

Foster County's 21/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #2195 position shifts between updates.

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. That surfaces the coverage-squeezed owners ahead of the market.