Stutsman County, ND: Home-Insurance Distress & Forced-Sale Pressure
Home-insurance pressure in Stutsman County, North Dakota is currently moderate — an insurance-distress score of 27/100, in the lower-risk band nationally at #1770 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
The pressure here is driven by a FEMA hazard score of 52/100; NFIP flood-claim stress of 0/100 over three years — the exposures carriers price against and increasingly decline to renew.
A 10/100 construction-distress score means repair and replacement economics are working against affordability of coverage.
The 27/100 signal is only useful next to the rest: in Stutsman 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.
Because Stutsman County is rebuilt monthly from fresh federal and carrier inputs, the score you see is current to the latest renewal cycle, and its #1770 national rank moves as conditions do.
Over the trailing three years, Stutsman County recorded 0 NFIP flood claims totaling $0 paid (about $0 per claim) — the loss history that pushes premiums up and coverage out.
The gap between physical hazard (52/100) and realized flood losses (0/100) is what DLRadar watches to flag insurance-driven sellers in Stutsman County.
Practically, Stutsman County's 27/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.
Every county gets the same monthly FEMA/NFIP/carrier scoring, linked through to parcel-level distress and ownership data. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Stutsman County insurance distress — FAQ
Is home insurance a problem for owners in Stutsman County, North Dakota?
DLRadar puts Stutsman County at 27/100 for home-insurance distress, scored the same way as every other U.S. county.
How many federal flood claims has Stutsman County filed?
In the last three years NFIP settled 0 flood claims in Stutsman County totaling $0, near $0 per claim. Insurers read that ledger directly into premiums and renewal decisions.
How does insurance cost turn into seller supply in Stutsman County?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Stutsman County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.