Mclean County, ND: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Mclean County, North Dakota reads low (21/100), in the lower-risk band nationally — #2203 nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
The 21/100 signal is only useful next to the rest: in Mclean 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.
Behind the score sit a FEMA hazard score of 41/100; NFIP flood-claim stress of 0/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
Because Mclean County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #2203 national rank moves as conditions do.
With construction distress at 65/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
The county's three-year flood-loss ledger — 0 claims, $0 paid (~$0/claim) — is the evidence carriers use to justify higher rates or withdrawal.
Practically, Mclean County's 21/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.
It is the combination -- 41/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. 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
Mclean County insurance distress — FAQ
How severe is home-insurance pressure in Mclean County, North Dakota?
DLRadar grades Mclean County at 21/100 - LOW, #2203 of 3,222 U.S. counties. It combines FEMA hazard (41/100), three-year NFIP flood-claim stress (0/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What does the flood-loss record look like in Mclean County?
Federal flood data puts Mclean County at 0 claims in three years, $0 paid out.
Why does DLRadar treat insurance distress as an early signal in Mclean County?
In Mclean County, a coverage bill that outruns the owner's budget - or a carrier that simply exits - can push total carrying cost past the breaking point. Those owners frequently sell ahead of any missed payment, so insurance distress works as an early, upstream read on future seller supply.