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

Pierce County, North Dakota carries a low home-insurance-distress reading of 0/100 — ranked #2937 nationally, in the lower-risk band nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

Flood losses tell the story: 0 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.

Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 0/100 over three years, each a factor insurers weigh when they raise rates or exit a market.

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

Insurers set premiums from replacement cost, and at 80/100 that input is running hot in Pierce County.

Each month new hazard revisions and claim settlements refresh Pierce County, keeping its insurance-distress score aligned with the live market.

Read as a targeting input, 0/100 puts Pierce County #2937 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.

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

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Pierce County's score to on-the-ground foreclosure and ownership data. The payoff is early contact with insurance-pressured sellers, not late.