Mckenzie County, ND: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Mckenzie County, North Dakota is currently moderate — an insurance-distress score of 43/100, in the upper half of U.S. counties at #1137 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.
DLRadar re-scores Mckenzie County every month against the latest FEMA, NFIP and carrier data, which means its insurance-distress number tracks the live market — not a snapshot frozen at some earlier point.
Replacement economics add to the squeeze — a 34/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
In practice, Mckenzie County's moderate insurance-distress level marks it as a place to watch owner behavior: as renewals land, the households that can no longer carry the premium become the motivated sellers worth reaching early.
The gap between physical hazard (84/100) and realized flood losses (0/100) is what DLRadar watches to flag insurance-driven sellers in Mckenzie County.
NFIP paid $0 across 0 Mckenzie County flood claims in three years, roughly $0 each; that record is what reprices coverage.
Behind the score sit a FEMA hazard score of 84/100; NFIP flood-claim stress of 0/100 over three years; 3 fire federal disaster declarations in three years, each a factor insurers weigh when they raise rates or exit a market.
Wildfire is the dominant declared hazard here, which shapes how carriers underwrite the county.
The county's insurance signal is only useful next to the rest: in Mckenzie 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.
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. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Mckenzie County insurance distress — FAQ
How bad is home-insurance distress in Mckenzie County, North Dakota?
Mckenzie County scores 43/100 for home-insurance distress (MEDIUM), ranking #1137 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (84/100), NFIP flood-claim stress (0/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Mckenzie County had?
Over the trailing three years, Mckenzie 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 does insurance distress create distressed sellers in Mckenzie County?
When premiums in Mckenzie 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.