Pembina County, ND: Home-Insurance Distress & Forced-Sale Pressure
Pembina County, ND: 0/100 (low) home-insurance distress; Pembina, ND band ZERO; Pembina, ND #2,953 of 3,222 counties; Pembina, ND #44 of 53 in North Dakota; Pembina, ND coverage multiplier 0.70.
FEMA hazard, Pembina, ND: 0/100; Pembina, ND declarations, three years: none; Pembina, ND five-year count 3 (severity 3.0); Pembina, ND ten-year 3.
Declared incidents on the Pembina, ND record: 2023 Flood 1 (Pembina, ND).
NFIP claims, Pembina, ND, three years: none; Pembina, ND claim-stress 0/100.
Pembina, ND monthly score: 0 in every month from March 2026 (Pembina, ND) through October 2026.
Pembina, ND components: all zero this month; Pembina, ND climate multiplier 0.70.
Construction distress, Pembina, ND: 88/100 as of August 2026 (Pembina, ND: 88/100 one-to-four unit, 0/100 multifamily).
Pembina, ND ZIPs, June 2026 (Pembina, ND, 14 highest): score 0 (Pembina, ND), climate 33 (Pembina, ND): 58243; score 0 (Pembina, ND), climate 27 (Pembina, ND): 58227; score 0 (Pembina, ND), climate 23 (Pembina, ND): 58225; score 0 (Pembina, ND), climate 20 (Pembina, ND): 58216, 58222, 58236, 58238, Pembina, ND 58241, 58262, 58265, 58271, Pembina, ND 58276; score 0 (Pembina, ND), climate 19 (Pembina, ND): 58220; score 0 (Pembina, ND), climate 16 (Pembina, ND): 58282.
DLRadar rescores Pembina, ND monthly; Pembina, ND readings join Pembina, ND foreclosure, lien and ownership parcels (Pembina, ND), so cost-squeezed Pembina, ND owners surface before listing.
Inside North Dakota, Pembina County ranks 44th of 53 counties for home-insurance distress at 0/100; Mountrail County (0/100) sits just above Pembina County, and Pierce County (0/100) sits just below Pembina County.
Deterministic. Every Pembina County, ND signal traces to a public Pembina dataset (FEMA, NFIP, Census for Pembina, ND) · how insurance distress works in Pembina, ND · methodology
FAQ: Pembina County, ND insurance distress
What is the Pembina County, ND home-insurance-distress score?
Pembina, ND: 0/100 (ZERO), #2,953 of 3,222, #44 in North Dakota. FEMA hazard, Pembina, ND: 0/100; NFIP stress, Pembina, ND: 0/100; construction, Pembina, ND: 88/100; Pembina, ND rescores monthly.
Is Pembina County insurance distress getting better or worse (ND)?
Pembina, ND: 0 in March 2026; Pembina, ND: 0 in October 2026 (unchanged).
Which Pembina County ZIP codes carry the most insurance distress (ND)?
Pembina, ND, June 2026: 58243 at 0, 58227 at 0, 58225 at 0, 58216 at 0; Pembina, ND climate scores there: 33, 27, 23, 20.
Why does Pembina, ND insurance distress create sellers?
A Pembina, ND premium outruns the Pembina, ND budget; a carrier leaves Pembina, ND; Pembina, ND carrying cost passes plan; Pembina, ND owners sell while current; Pembina, ND insurance distress leads Pembina, ND foreclosure data.