Madison County, FL: Home-Insurance Distress & Forced-Sale Pressure
Madison County, FL: 89/100 (severe) home-insurance distress; Madison, FL band HIGH; Madison, FL #125 of 3,222 counties; Madison, FL #46 of 67 in Florida.
FEMA hazard, Madison, FL: 100/100; Madison, FL declarations, three years: 16; Madison, FL perils: 9 hurricane, 8 tropical-storm, 2 severe-storm; Madison, FL five-year count 27 (severity 37.5); Madison, FL ten-year 27; hazard-weighted, Madison, FL: 56.0.
Declared incidents on the Madison, FL record: 2026 Tropical Storm 3; 2024 Tropical Storm 9 (Madison, FL); 2024 Hurricane 9; 2024 Severe Storm 3 (Madison, FL); 2023 Tropical Storm 1; 2023 Hurricane 1 (Madison, FL).
NFIP claims, Madison, FL, three years: 3; Madison, FL payouts $89,026; per Madison, FL claim $29,675; Madison, FL claim-stress 73/100.
Madison, FL monthly score: 89 in every month from March 2026 (Madison, FL) through October 2026.
Madison, FL components: climate 100, NFIP claims 73; Madison, FL retreat index 89.
Construction distress, Madison, FL: 43/100 as of August 2026 (Madison, FL: 43/100 one-to-four unit, 0/100 multifamily).
Madison, FL ZIPs, June 2026 (Madison, FL, 5 highest): score 0 (Madison, FL), climate 46 (Madison, FL): 32336; score 0 (Madison, FL), climate 44 (Madison, FL): 32331; score 0 (Madison, FL), climate 43 (Madison, FL): 32059, 32340, 32350.
DLRadar rescores Madison, FL monthly; Madison, FL readings join Madison, FL foreclosure, lien and ownership parcels (Madison, FL), so cost-squeezed Madison, FL owners surface before listing.
Inside Florida, Madison County ranks 47th of 67 counties for home-insurance distress at 89/100; Gadsden County (89/100) sits just above Madison County, and Martin County (88/100) sits just below Madison County.
Deterministic. Every Madison County, FL signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, FL) · how insurance distress works in Madison, FL · methodology
FAQ: Madison County, FL insurance distress
What is the Madison County, FL home-insurance-distress score?
Madison, FL: 89/100 (HIGH), #125 of 3,222, #46 in Florida. FEMA hazard, Madison, FL: 100/100; NFIP stress, Madison, FL: 73/100; construction, Madison, FL: 43/100; Madison, FL rescores monthly.
Is Madison County insurance distress getting better or worse (FL)?
Madison, FL: 89 in March 2026; Madison, FL: 89 in October 2026 (unchanged); Madison, FL climate component 100; Madison, FL NFIP claims score 73.
How many flood-insurance claims has Madison County, FL had?
Madison, FL: 3 NFIP claims, three years; Madison, FL paid $89,026; per Madison, FL claim $29,675; carriers reprice Madison, FL against that record.
Which Madison County ZIP codes carry the most insurance distress (FL)?
Madison, FL, June 2026: 32336 at 0, 32331 at 0, 32059 at 0, 32340 at 0; Madison, FL climate scores there: 46, 44, 43, 43.
Why does Madison, FL insurance distress create sellers?
A Madison, FL premium outruns the Madison, FL budget; a carrier leaves Madison, FL; Madison, FL carrying cost passes plan; Madison, FL owners sell while current; Madison, FL insurance distress leads Madison, FL foreclosure data.