Oliver County, ND

Composite Insurance Risk Score: 78.2 / 100 (National rank: #85)

Axis Scores

Climate Safety 92.6
Insurance Affordability 63.7
Housing Affordability 56.9
Community Resilience 80.5
Social Resilience 79.2
Housing Stability 99.9

Key Metrics

Annual Insurance Premium (state avg) $1,800
Insurance Burden (% of income) 2.33%
Price-to-Income Ratio 2.79
FEMA Risk Score (0-100) 7.4

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 Oliver County have grown at an average annual rate of 2.51%. During the same period, the population has decreased by 0.16%. 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).