Sioux County, ND: Home-Insurance Distress & Forced-Sale Pressure
Sioux County, North Dakota carries a low home-insurance-distress reading of 21/100 — ranked #2209 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.
Three years of NFIP activity in Sioux County comes to 0 claims worth $0, and that ledger is what carriers price against.
DLRadar does not treat 21/100 as a standalone number — the Sioux County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
Hazard 41/100 plus flood-claim stress 0/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Sioux County.
Each month new hazard revisions and claim settlements refresh Sioux County, keeping its insurance-distress score aligned with the live market.
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.
Sioux County's 21/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
Rebuilding is expensive in this market -- 10/100 on construction distress -- and coverage is priced off exactly that number.
The nationwide monthly build covers all 3,222 counties and connects Sioux County reading to real foreclosure, tax-lien and ownership records. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Sioux County insurance distress — FAQ
What is the home-insurance-distress score for Sioux County, North Dakota?
Sioux County scores 21/100 -- a figure rebuilt monthly rather than carried forward.
How many federal flood claims has Sioux County filed?
Over the trailing three years, Sioux County recorded 0 NFIP flood claims with $0 paid out, roughly $0 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
How does home-insurance pressure produce motivated sellers in Sioux County?
The sequence in Sioux County runs premium shock, budget breach, listing -- usually with the loan still performing. That ordering is why insurance distress is treated as an upstream indicator of supply.