Grand Forks County, ND: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Grand Forks County, North Dakota at 21/100 for home-insurance distress, a low level that places it #2196 of 3,222 counties, in the lower-risk band nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
Grand Forks County's 21/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
Because Grand Forks County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #2196 national rank moves as conditions do.
Put the 41/100 hazard reading next to 0/100 in flood-claim stress and the pattern is a county where owners exit over premiums.
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.
NFIP paid $0 across 0 Grand Forks County flood claims in three years, roughly $0 each; that record is what reprices coverage.
Construction distress sits at 16/100, so the replacement cost insurers underwrite against is elevated here.
DLRadar reads Grand Forks County's 21/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. 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
Grand Forks County insurance distress — FAQ
How severe is home-insurance pressure in Grand Forks County, North Dakota?
The current reading for Grand Forks County is 21/100, derived deterministically from hazard, claim and carrier data.
What is the flood-claim history in Grand Forks County?
Across three years Grand Forks County logged 0 NFIP claims at about $0 each.
How does carrying cost push Grand Forks County owners to sell?
When premiums in Grand Forks 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.