Wells County, ND: Home-Insurance Distress & Forced-Sale Pressure
Wells County, ND: 21/100 (low) home-insurance distress; Wells, ND band LOW; Wells, ND #2,237 of 3,222 counties; Wells, ND #27 of 53 in North Dakota; raw Wells, ND 24.3; Wells, ND coverage multiplier 0.85.
FEMA hazard, Wells, ND: 40/100; Wells, ND declarations, three years: 2; Wells, ND perils: 2 severe-storm; Wells, ND five-year count 6 (severity 9.0); Wells, ND ten-year 6; hazard-weighted, Wells, ND: 2.0.
Declared incidents on the Wells, ND record: 2025 Severe Storm 2; 2023 Flood 1 (Wells, ND).
NFIP claims, Wells, ND, three years: none; Wells, ND claim-stress 0/100.
Wells, ND monthly score fell, 26 (March 2026) to 20 (October 2026); Wells, ND by month: March 26, April 26, May 24, June 24 (Wells, ND), July 23, August 21, September 21, October 20.
Wells, ND components: climate 40; Wells, ND retreat index 20; Wells, ND climate multiplier 0.85.
Construction distress, Wells, ND: 6/100 as of August 2026 (Wells, ND: 6/100 one-to-four unit, 0/100 multifamily).
Wells, ND ZIPs, June 2026 (Wells, ND, 12 highest): score 0 (Wells, ND), climate 18 (Wells, ND): 58348; score 0 (Wells, ND), climate 17 (Wells, ND): 58486; score 0 (Wells, ND), climate 11 (Wells, ND): 58421; score 0 (Wells, ND), climate 9 (Wells, ND): 58341, 58374, 58422, 58438, Wells, ND 58451; score 0 (Wells, ND), climate 8 (Wells, ND): 58418, 58423; score 0 (Wells, ND), climate 7 (Wells, ND): 58758; score 0 (Wells, ND), climate 4 (Wells, ND): 58356.
DLRadar rescores Wells, ND monthly; Wells, ND readings join Wells, ND foreclosure, lien and ownership parcels (Wells, ND), so cost-squeezed Wells, ND owners surface before listing.
Inside North Dakota, Wells County ranks 27th of 53 counties for home-insurance distress at 21/100; Traill County (21/100) sits just above Wells County, and Stark County (19/100) sits just below Wells County.
Deterministic. Every Wells County, ND signal traces to a public Wells dataset (FEMA, NFIP, Census for Wells, ND) · how insurance distress works in Wells, ND · methodology
FAQ: Wells County, ND insurance distress
What is the Wells County, ND home-insurance-distress score?
Wells, ND: 21/100 (LOW), #2,237 of 3,222, #27 in North Dakota. FEMA hazard, Wells, ND: 40/100; NFIP stress, Wells, ND: 0/100; construction, Wells, ND: 6/100; Wells, ND rescores monthly.
Is Wells County insurance distress getting better or worse (ND)?
Wells, ND: 26 in March 2026; Wells, ND: 20 in October 2026 (better); Wells, ND climate component 40.
Which Wells County ZIP codes carry the most insurance distress (ND)?
Wells, ND, June 2026: 58348 at 0, 58486 at 0, 58421 at 0, 58341 at 0; Wells, ND climate scores there: 18, 17, 11, 9.
Why does Wells, ND insurance distress create sellers?
A Wells, ND premium outruns the Wells, ND budget; a carrier leaves Wells, ND; Wells, ND carrying cost passes plan; Wells, ND owners sell while current; Wells, ND insurance distress leads Wells, ND foreclosure data.