Mercer County, ND: Home-Insurance Distress & Forced-Sale Pressure
Mercer County, ND: 21/100 (low) home-insurance distress; Mercer, ND band LOW; Mercer, ND #2,230 of 3,222 counties; Mercer, ND #20 of 53 in North Dakota; raw Mercer, ND 27.4; Mercer, ND coverage multiplier 0.85.
FEMA hazard, Mercer, ND: 40/100; Mercer, ND declarations, three years: 3; Mercer, ND perils: 3 severe-storm; Mercer, ND five-year count 3 (severity 3.0); Mercer, ND ten-year 3; hazard-weighted, Mercer, ND: 3.0.
Declared incidents on the Mercer, ND record: 2026 Severe Storm 2; 2023 Flood 1 (Mercer, ND).
NFIP claims, Mercer, ND, three years: none; Mercer, ND claim-stress 0/100.
Mercer, ND monthly score rose, 0 (March 2026) to 20 (October 2026); Mercer, ND by month: March 0, April 0, May 0, June 0 (Mercer, ND), July 0, August 0, September 21, October 20.
Mercer, ND components: climate 40; Mercer, ND retreat index 20; Mercer, ND climate multiplier 0.85.
Construction distress, Mercer, ND: 99/100 as of August 2026 (Mercer, ND: 98/100 one-to-four unit, 8/100 multifamily).
Mercer, ND ZIPs, June 2026 (Mercer, ND, 10 highest): score 0 (Mercer, ND), climate 42 (Mercer, ND): 58631; score 0 (Mercer, ND), climate 40 (Mercer, ND): 58638; score 0 (Mercer, ND), climate 20 (Mercer, ND): 58541, 58580; score 0 (Mercer, ND), climate 16 (Mercer, ND): 58545; score 0 (Mercer, ND), climate 15 (Mercer, ND): 58523, 58571; score 0 (Mercer, ND), climate 14 (Mercer, ND): 58625; score 0 (Mercer, ND), climate 12 (Mercer, ND): 58636; score 0 (Mercer, ND), climate 3 (Mercer, ND): 58530.
DLRadar rescores Mercer, ND monthly; Mercer, ND readings join Mercer, ND foreclosure, lien and ownership parcels (Mercer, ND), so cost-squeezed Mercer, ND owners surface before listing.
Inside North Dakota, Mercer County ranks 20th of 53 counties for home-insurance distress at 21/100; Grant County (21/100) sits just above Mercer County, and Morton County (21/100) sits just below Mercer County.
Deterministic. Every Mercer County, ND signal traces to a public Mercer dataset (FEMA, NFIP, Census for Mercer, ND) · how insurance distress works in Mercer, ND · methodology
FAQ: Mercer County, ND insurance distress
What is the Mercer County, ND home-insurance-distress score?
Mercer, ND: 21/100 (LOW), #2,230 of 3,222, #20 in North Dakota. FEMA hazard, Mercer, ND: 40/100; NFIP stress, Mercer, ND: 0/100; construction, Mercer, ND: 99/100; Mercer, ND rescores monthly.
Is Mercer County insurance distress getting better or worse (ND)?
Mercer, ND: 0 in March 2026; Mercer, ND: 20 in October 2026 (worse); Mercer, ND climate component 40.
Which Mercer County ZIP codes carry the most insurance distress (ND)?
Mercer, ND, June 2026: 58631 at 0, 58638 at 0, 58541 at 0, 58580 at 0; Mercer, ND climate scores there: 42, 40, 20, 20.
Why does Mercer, ND insurance distress create sellers?
A Mercer, ND premium outruns the Mercer, ND budget; a carrier leaves Mercer, ND; Mercer, ND carrying cost passes plan; Mercer, ND owners sell while current; Mercer, ND insurance distress leads Mercer, ND foreclosure data.