Northwoods Eviction Risk: Elevated

37.8% of adults carry no health insurance against 11.3% nationally, a common route into sudden unpayable debt. The severe-burden share is 33%. Those renters are past the 50% mark, and they miss rent for reasons that have nothing to do with willingness to pay.

The dominant input is tenant-organizing strength at 9.2/10. Annualized rent equals 36% of average household income here, past the 30% affordability line, which compresses the margin any screening standard has to work with. CDC survey data puts housing insecurity at 28.5% of adults, against 14.2% nationally.

The poverty rate is 29%, which shows up in this model as reduced rent-recovery odds after a judgment. The 3 tracts inside this boundary do not behave alike. Individual scores run 5.4 to 7, a 1.6-point gap wide enough that the area average misleads on any specific address. On the softer side is eviction-process difficulty, at 2.1/10.

Sitting well above the midpoint is housing-court posture at 7.6/10. Filings are well documented here: 1,414 across 3 observed tracts. The worst year on record was 2014, when filings touched 21.1% of renter households.

The most recent observed rate, 7.4% in 2016, is well off that peak.

Underwrite the address, not the area: with 1.6 points between its best and worst tract, the per-tract table below is the operative number. Scores move when the ACS release, the court-record feed, or the statute ledger behind them moves.