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

Home-insurance pressure in Logan County, North Dakota is currently low — an insurance-distress score of 0/100, in the lower-risk band nationally at #2931 of the 3,222 U.S. counties DLRadar scores. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.

Flood losses tell the story: 0 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.

DLRadar does not treat 0/100 as a standalone number — the Logan County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

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

Rebuild-cost inflation compounds it: construction-distress reads 6/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

Logan County's 0/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

The pressure here is driven by a FEMA hazard score of 0/100; NFIP flood-claim stress of 0/100 over three years — the exposures carriers price against and increasingly decline to renew.

Monthly rebuilds keep Logan County honest: 0/100 reflects the renewal environment carriers are pricing right now.

The nationwide monthly build covers all 3,222 counties and connects Logan County reading to real foreclosure, tax-lien and ownership records. That is how coverage-pressured owners surface before they reach the open market.