Coles County, IL: Home-Insurance Distress & Forced-Sale Pressure
Coles County, IL: 0/100 (low) home-insurance distress; Coles, IL band ZERO; Coles, IL #2,615 of 3,222 counties; Coles, IL #54 of 102 in Illinois; Coles, IL coverage multiplier 0.70.
FEMA hazard, Coles, IL: 0/100; Coles, IL declarations, three years: none; Coles, IL five-year count 3 (severity 3.0); Coles, IL ten-year 3.
Declared incidents on the Coles, IL record: 2023 Severe Storm 1 (Coles, IL).
NFIP claims, Coles, IL, three years: none; Coles, IL claim-stress 0/100.
Coles, IL monthly score: 0 in every month from March 2026 (Coles, IL) through October 2026.
Coles, IL components: all zero this month; Coles, IL climate multiplier 0.70.
Construction distress, Coles, IL: 71/100 as of August 2026 (Coles, IL: 8/100 one-to-four unit, 100/100 multifamily).
Coles, IL ZIPs, June 2026 (Coles, IL, 16 highest): score 0 (Coles, IL), climate 72 (Coles, IL): 61912, 61920, 61931; score 0 (Coles, IL), climate 71 (Coles, IL): 61938; score 0 (Coles, IL), climate 65 (Coles, IL): 61943; score 0 (Coles, IL), climate 64 (Coles, IL): 61910; score 0 (Coles, IL), climate 63 (Coles, IL): 61930; score 0 (Coles, IL), climate 59 (Coles, IL): 62440; score 0 (Coles, IL), climate 53 (Coles, IL): 61911; score 0 (Coles, IL), climate 47 (Coles, IL): 61928; score 0 (Coles, IL), climate 44 (Coles, IL): 62474; score 0 (Coles, IL), climate 41 (Coles, IL): 61951; score 0 (Coles, IL), climate 38 (Coles, IL): 61933; score 0 (Coles, IL), climate 35 (Coles, IL): 62447; score 0 (Coles, IL), climate 32 (Coles, IL): 62469; score 0 (Coles, IL), climate 30 (Coles, IL): 62420.
DLRadar rescores Coles, IL monthly; Coles, IL readings join Coles, IL foreclosure, lien and ownership parcels (Coles, IL), so cost-squeezed Coles, IL owners surface before listing.
Inside Illinois, Coles County ranks 54th of 102 counties for home-insurance distress at 0/100; Clay County (0/100) sits just above Coles County, and Crawford County (0/100) sits just below Coles County.
Deterministic. Every Coles County, IL signal traces to a public Coles dataset (FEMA, NFIP, Census for Coles, IL) · how insurance distress works in Coles, IL · methodology
FAQ: Coles County, IL insurance distress
What is the Coles County, IL home-insurance-distress score?
Coles, IL: 0/100 (ZERO), #2,615 of 3,222, #54 in Illinois. FEMA hazard, Coles, IL: 0/100; NFIP stress, Coles, IL: 0/100; construction, Coles, IL: 71/100; Coles, IL rescores monthly.
Is Coles County insurance distress getting better or worse (IL)?
Coles, IL: 0 in March 2026; Coles, IL: 0 in October 2026 (unchanged).
Which Coles County ZIP codes carry the most insurance distress (IL)?
Coles, IL, June 2026: 61912 at 0, 61920 at 0, 61931 at 0, 61938 at 0; Coles, IL climate scores there: 72, 72, 72, 71.
Why does Coles, IL insurance distress create sellers?
A Coles, IL premium outruns the Coles, IL budget; a carrier leaves Coles, IL; Coles, IL carrying cost passes plan; Coles, IL owners sell while current; Coles, IL insurance distress leads Coles, IL foreclosure data.