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

DLRadar grades Pembina County, North Dakota at 0/100 for home-insurance distress, a low level that places it #2936 of 3,222 counties, in the lower-risk band nationally. More and more, it is the insurance bill rather than the mortgage that turns a Pembina County owner into a seller.

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.

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

A 0/100 hazard base sitting alongside 0/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.

On its own 0/100 is half a picture, so Pembina County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.

Rebuild-cost inflation compounds it: construction-distress reads 92/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

Pembina County's 0/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #2936 position shifts between updates.

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.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. The payoff is early contact with insurance-pressured sellers, not late.