Cook County, IL: Home-Insurance Distress & Forced-Sale Pressure
Cook County, IL: 71/100 (severe) home-insurance distress; Cook, IL band MEDIUM; Cook, IL #613 of 3,222 counties; Cook, IL #4 of 102 in Illinois; raw Cook, IL 64.1.
FEMA hazard, Cook, IL: 63/100; Cook, IL declarations, three years: 2; Cook, IL perils: 3 flood; Cook, IL five-year count 9 (severity 10.5); Cook, IL ten-year 9; hazard-weighted, Cook, IL: 4.0.
Declared incidents on the Cook, IL record: 2024 Flood 3; 2023 Flood 3 (Cook, IL); 2023 Severe Storm 1 (Cook, IL).
NFIP claims, Cook, IL, three years: 175; Cook, IL payouts $821,672; per Cook, IL claim $4,695; Cook, IL claim-stress 82/100.
Cook, IL monthly score fell, 71 (March 2026) to 69 (October 2026); Cook, IL by month: March 71, April 71, May 67, June 67 (Cook, IL), July 75, August 64, September 64, October 69.
Cook, IL components: climate 60, NFIP claims 82; Cook, IL retreat index 69.
Construction distress, Cook, IL: 73/100 as of August 2026 (Cook, IL: 66/100 one-to-four unit, 75/100 multifamily).
Cook, IL ZIPs, June 2026 (Cook, IL, 16 highest): score 0 (Cook, IL), climate 100 (Cook, IL): 60004, 60005, 60007, 60008, Cook, IL 60016, 60018, 60022, 60025, Cook, IL 60026, 60029, 60043, 60053, Cook, IL 60056, 60062, 60067, 60068.
DLRadar rescores Cook, IL monthly; Cook, IL readings join Cook, IL foreclosure, lien and ownership parcels (Cook, IL), so cost-squeezed Cook, IL owners surface before listing.
Inside Illinois, Cook County ranks 4th of 102 counties for home-insurance distress at 71/100; Will County (71/100) sits just above Cook County, and Washington County (65/100) sits just below Cook County.
Deterministic. Every Cook County, IL signal traces to a public Cook dataset (FEMA, NFIP, Census for Cook, IL) · how insurance distress works in Cook, IL · methodology
FAQ: Cook County, IL insurance distress
What is the Cook County, IL home-insurance-distress score?
Cook, IL: 71/100 (MEDIUM), #613 of 3,222, #4 in Illinois. FEMA hazard, Cook, IL: 63/100; NFIP stress, Cook, IL: 82/100; construction, Cook, IL: 73/100; Cook, IL rescores monthly.
Is Cook County insurance distress getting better or worse (IL)?
Cook, IL: 71 in March 2026; Cook, IL: 69 in October 2026 (better); Cook, IL climate component 60; Cook, IL NFIP claims score 82.
How many flood-insurance claims has Cook County, IL had?
Cook, IL: 175 NFIP claims, three years; Cook, IL paid $821,672; per Cook, IL claim $4,695; carriers reprice Cook, IL against that record.
Which Cook County ZIP codes carry the most insurance distress (IL)?
Cook, IL, June 2026: 60004 at 0, 60005 at 0, 60007 at 0, 60008 at 0; Cook, IL climate scores there: 100, 100, 100, 100.
Why does Cook, IL insurance distress create sellers?
A Cook, IL premium outruns the Cook, IL budget; a carrier leaves Cook, IL; Cook, IL carrying cost passes plan; Cook, IL owners sell while current; Cook, IL insurance distress leads Cook, IL foreclosure data.