Cumberland County, IL: Home-Insurance Distress & Forced-Sale Pressure
Cumberland County, IL: 0/100 (low) home-insurance distress; Cumberland, IL band ZERO; Cumberland, IL #2,617 of 3,222 counties; Cumberland, IL #56 of 102 in Illinois; Cumberland, IL coverage multiplier 0.70.
FEMA hazard, Cumberland, IL: 0/100; Cumberland, IL declarations, three years: none; Cumberland, IL five-year count 3 (severity 3.0); Cumberland, IL ten-year 3.
Declared incidents on the Cumberland, IL record: 2023 Severe Storm 1 (Cumberland, IL).
NFIP claims, Cumberland, IL, three years: none; Cumberland, IL claim-stress 0/100.
Cumberland, IL monthly score: 0 in every month from March 2026 (Cumberland, IL) through October 2026.
Cumberland, IL components: all zero this month; Cumberland, IL climate multiplier 0.70.
Construction distress, Cumberland, IL: 69/100 as of August 2026 (Cumberland, IL: 57/100 one-to-four unit, 26/100 multifamily).
Cumberland, IL ZIPs, June 2026 (Cumberland, IL, 12 highest): score 0 (Cumberland, IL), climate 71 (Cumberland, IL): 61938; score 0 (Cumberland, IL), climate 59 (Cumberland, IL): 62440; score 0 (Cumberland, IL), climate 51 (Cumberland, IL): 62467; score 0 (Cumberland, IL), climate 40 (Cumberland, IL): 62462; score 0 (Cumberland, IL), climate 35 (Cumberland, IL): 62447; score 0 (Cumberland, IL), climate 32 (Cumberland, IL): 62469; score 0 (Cumberland, IL), climate 30 (Cumberland, IL): 62420, 62445; score 0 (Cumberland, IL), climate 28 (Cumberland, IL): 62432; score 0 (Cumberland, IL), climate 26 (Cumberland, IL): 62436; score 0 (Cumberland, IL), climate 25 (Cumberland, IL): 62428, 62468.
DLRadar rescores Cumberland, IL monthly; Cumberland, IL readings join Cumberland, IL foreclosure, lien and ownership parcels (Cumberland, IL), so cost-squeezed Cumberland, IL owners surface before listing.
Inside Illinois, Cumberland County ranks 56th of 102 counties for home-insurance distress at 0/100; Crawford County (0/100) sits just above Cumberland County, and De Witt County (0/100) sits just below Cumberland County.
Deterministic. Every Cumberland County, IL signal traces to a public Cumberland dataset (FEMA, NFIP, Census for Cumberland, IL) · how insurance distress works in Cumberland, IL · methodology
FAQ: Cumberland County, IL insurance distress
What is the Cumberland County, IL home-insurance-distress score?
Cumberland, IL: 0/100 (ZERO), #2,617 of 3,222, #56 in Illinois. FEMA hazard, Cumberland, IL: 0/100; NFIP stress, Cumberland, IL: 0/100; construction, Cumberland, IL: 69/100; Cumberland, IL rescores monthly.
Is Cumberland County insurance distress getting better or worse (IL)?
Cumberland, IL: 0 in March 2026; Cumberland, IL: 0 in October 2026 (unchanged).
Which Cumberland County ZIP codes carry the most insurance distress (IL)?
Cumberland, IL, June 2026: 61938 at 0, 62440 at 0, 62467 at 0, 62462 at 0; Cumberland, IL climate scores there: 71, 59, 51, 40.
Why does Cumberland, IL insurance distress create sellers?
A Cumberland, IL premium outruns the Cumberland, IL budget; a carrier leaves Cumberland, IL; Cumberland, IL carrying cost passes plan; Cumberland, IL owners sell while current; Cumberland, IL insurance distress leads Cumberland, IL foreclosure data.