Madison County, AL: Home-Insurance Distress & Forced-Sale Pressure
Madison County, AL: 85/100 (severe) home-insurance distress; Madison, AL band HIGH; Madison, AL #218 of 3,222 counties; Madison, AL #7 of 67 in Alabama; raw Madison, AL 77.3.
FEMA hazard, Madison, AL: 87/100; Madison, AL declarations, three years: 2; Madison, AL perils: 3 hurricane; Madison, AL five-year count 3 (severity 4.5); Madison, AL ten-year 3; hazard-weighted, Madison, AL: 10.0.
Declared incidents on the Madison, AL record: 2024 Hurricane 2 (Madison, AL).
NFIP claims, Madison, AL, three years: 11; Madison, AL payouts $353,543; per Madison, AL claim $32,140; Madison, AL claim-stress 83/100.
Madison, AL monthly score fell, 80 (March 2026) to 77 (October 2026); Madison, AL by month: March 80, April 80, May 77, June 77 (Madison, AL), July 76, August 77, September 82, October 77.
Madison, AL components: climate 73, NFIP claims 83; Madison, AL retreat index 77.
Construction distress, Madison, AL: 41/100 as of August 2026 (Madison, AL: 46/100 one-to-four unit, 18/100 multifamily).
Madison, AL ZIPs, June 2026 (Madison, AL, 16 highest): score 0 (Madison, AL), climate 95 (Madison, AL): 35741, 35750, 35758, 35759, Madison, AL 35761, 35763, 35801, 35802, Madison, AL 35803, 35805, 35806, 35808, Madison, AL 35810, 35811, 35816, 35824.
DLRadar rescores Madison, AL monthly; Madison, AL readings join Madison, AL foreclosure, lien and ownership parcels (Madison, AL), so cost-squeezed Madison, AL owners surface before listing.
Inside Alabama, Madison County ranks 7th of 67 counties for home-insurance distress at 85/100; Talladega County (85/100) sits just above Madison County, and Montgomery County (84/100) sits just below Madison County.
Deterministic. Every Madison County, AL signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, AL) · how insurance distress works in Madison, AL · methodology
FAQ: Madison County, AL insurance distress
What is the Madison County, AL home-insurance-distress score?
Madison, AL: 85/100 (HIGH), #218 of 3,222, #7 in Alabama. FEMA hazard, Madison, AL: 87/100; NFIP stress, Madison, AL: 83/100; construction, Madison, AL: 41/100; Madison, AL rescores monthly.
Is Madison County insurance distress getting better or worse (AL)?
Madison, AL: 80 in March 2026; Madison, AL: 77 in October 2026 (better); Madison, AL climate component 73; Madison, AL NFIP claims score 83.
How many flood-insurance claims has Madison County, AL had?
Madison, AL: 11 NFIP claims, three years; Madison, AL paid $353,543; per Madison, AL claim $32,140; carriers reprice Madison, AL against that record.
Which Madison County ZIP codes carry the most insurance distress (AL)?
Madison, AL, June 2026: 35741 at 0, 35750 at 0, 35758 at 0, 35759 at 0; Madison, AL climate scores there: 95, 95, 95, 95.
Why does Madison, AL insurance distress create sellers?
A Madison, AL premium outruns the Madison, AL budget; a carrier leaves Madison, AL; Madison, AL carrying cost passes plan; Madison, AL owners sell while current; Madison, AL insurance distress leads Madison, AL foreclosure data.