Mercer County, ND

Composite Insurance Risk Score: 72.6 / 100 (National rank: #253)

Axis Scores

Climate Safety 65.2
Insurance Affordability 67.3
Housing Affordability 72.8
Community Resilience 90.3
Social Resilience 77.7
Housing Stability 84.9

Key Metrics

Annual Insurance Premium (state avg) $1,800
Insurance Burden (% of income) 2.22%
Price-to-Income Ratio 2.45
FEMA Risk Score (0-100) 34.7

Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in Mercer County have grown at an average annual rate of 2.23%. During the same period, the population has decreased by 1.48%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).