Madison County, IL: Home-Insurance Distress & Forced-Sale Pressure
Madison County, IL: 22/100 (low) home-insurance distress; Madison, IL band LOW; Madison, IL #2,042 of 3,222 counties; Madison, IL #24 of 102 in Illinois; raw Madison, IL 26.2; Madison, IL coverage multiplier 0.85.
FEMA hazard, Madison, IL: 0/100; Madison, IL declarations, three years: none.
NFIP claims, Madison, IL, three years: 11; Madison, IL payouts $18,466; per Madison, IL claim $1,679; Madison, IL claim-stress 66/100.
Madison, IL monthly score fell, 23 (March 2026) to 22 (October 2026); Madison, IL by month: March 23, April 23, May 23, June 23 (Madison, IL), July 23, August 23, September 23, October 22.
Madison, IL components: NFIP claims 66; Madison, IL retreat index 22; Madison, IL climate multiplier 0.85.
Construction distress, Madison, IL: 9/100 as of August 2026 (Madison, IL: 44/100 one-to-four unit, 1/100 multifamily).
Madison, IL ZIPs, June 2026 (Madison, IL, 16 highest): score 0 (Madison, IL), climate 95 (Madison, IL): 62201, 62254; score 0 (Madison, IL), climate 94 (Madison, IL): 62001, 62010, 62018, 62021, Madison, IL 62024, 62025, 62026, 62034, Madison, IL 62040, 62046, 62048, 62058, Madison, IL 62060, 62061.
DLRadar rescores Madison, IL monthly; Madison, IL readings join Madison, IL foreclosure, lien and ownership parcels (Madison, IL), so cost-squeezed Madison, IL owners surface before listing.
Inside Illinois, Madison County ranks 24th of 102 counties for home-insurance distress at 22/100; Pulaski County (23/100) sits just above Madison County, and Calhoun County (22/100) sits just below Madison County.
Deterministic. Every Madison County, IL signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, IL) · how insurance distress works in Madison, IL · methodology
FAQ: Madison County, IL insurance distress
What is the Madison County, IL home-insurance-distress score?
Madison, IL: 22/100 (LOW), #2,042 of 3,222, #24 in Illinois. FEMA hazard, Madison, IL: 0/100; NFIP stress, Madison, IL: 66/100; construction, Madison, IL: 9/100; Madison, IL rescores monthly.
Is Madison County insurance distress getting better or worse (IL)?
Madison, IL: 23 in March 2026; Madison, IL: 22 in October 2026 (better); Madison, IL NFIP claims score 66.
How many flood-insurance claims has Madison County, IL had?
Madison, IL: 11 NFIP claims, three years; Madison, IL paid $18,466; per Madison, IL claim $1,679; carriers reprice Madison, IL against that record.
Which Madison County ZIP codes carry the most insurance distress (IL)?
Madison, IL, June 2026: 62201 at 0, 62254 at 0, 62001 at 0, 62010 at 0; Madison, IL climate scores there: 95, 95, 94, 94.
Why does Madison, IL insurance distress create sellers?
A Madison, IL premium outruns the Madison, IL budget; a carrier leaves Madison, IL; Madison, IL carrying cost passes plan; Madison, IL owners sell while current; Madison, IL insurance distress leads Madison, IL foreclosure data.