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

Insurance distress in Stark County, North Dakota reads low (20/100), in the lower-risk band nationally — #2309 nationally. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.

Driving it: a FEMA hazard score of 0/100; NFIP flood-claim stress of 59/100 over three years, all of which push carriers toward higher rates or non-renewal.

The 20/100 signal is only useful next to the rest: in Stark County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.

The Stark County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.

A low level of 20/100 in Stark County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

Put the 0/100 hazard reading next to 59/100 in flood-claim stress and the pattern is a county where owners exit over premiums.

Flood losses tell the story: 1 NFIP claims and $8,709 paid out over three years, averaging $8,709 apiece -- exactly the history that hardens rates.

Replacement economics add to the squeeze — a 82/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Stark County's score to on-the-ground foreclosure and ownership data. So you can reach the owners whose trigger is carrying cost — before they list.