St. Clair County, IL: Home-Insurance Distress & Forced-Sale Pressure
St. Clair County, IL: 72/100 (severe) home-insurance distress; St. Clair, IL band MEDIUM; St. Clair, IL #576 of 3,222 counties; St. Clair, IL #2 of 102 in Illinois.
FEMA hazard, St. Clair, IL: 63/100; St. Clair, IL declarations, three years: 3; St. Clair, IL perils: 3 flood; St. Clair, IL five-year count 3 (severity 4.5); St. Clair, IL ten-year 3; hazard-weighted, St. Clair, IL: 6.0.
Declared incidents on the St. Clair, IL record: 2024 Flood 3 (St. Clair, IL).
NFIP claims, St. Clair, IL, three years: 131; St. Clair, IL payouts $1,484,607; per St. Clair, IL claim $11,333; St. Clair, IL claim-stress 85/100.
St. Clair, IL monthly score fell, 73 (March 2026) to 70 (October 2026); St. Clair, IL by month: March 73, April 73, May 69, June 69 (St. Clair, IL), July 77, August 66, September 66, October 70.
St. Clair, IL components: climate 60, NFIP claims 85; St. Clair, IL retreat index 70.
Construction distress, St. Clair, IL: 79/100 as of August 2026 (St. Clair, IL: 56/100 one-to-four unit, 99/100 multifamily).
St. Clair, IL ZIPs, June 2026 (St. Clair, IL, 16 highest): score 0 (St. Clair, IL), climate 95 (St. Clair, IL): 62059, 62201, 62203, 62204, St. Clair, IL 62205, 62206, 62207, 62208, St. Clair, IL 62220, 62221, 62223, 62225, St. Clair, IL 62226, 62232, 62239, 62240.
DLRadar rescores St. Clair, IL monthly; St. Clair, IL readings join St. Clair, IL foreclosure, lien and ownership parcels (St. Clair, IL), so cost-squeezed St. Clair, IL owners surface before listing.
Inside Illinois, St. Clair County ranks 2nd of 102 counties for home-insurance distress at 72/100; Winnebago County (74/100) sits just above St. Clair County, and Will County (71/100) sits just below St. Clair County.
Deterministic. Every St. Clair County, IL signal traces to a public St. Clair dataset (FEMA, NFIP, Census for St. Clair, IL) · how insurance distress works in St. Clair, IL · methodology
FAQ: St. Clair County, IL insurance distress
What is the St. Clair County, IL home-insurance-distress score?
St. Clair, IL: 72/100 (MEDIUM), #576 of 3,222, #2 in Illinois. FEMA hazard, St. Clair, IL: 63/100; NFIP stress, St. Clair, IL: 85/100; construction, St. Clair, IL: 79/100; St. Clair, IL rescores monthly.
Is St. Clair County insurance distress getting better or worse (IL)?
St. Clair, IL: 73 in March 2026; St. Clair, IL: 70 in October 2026 (better); St. Clair, IL climate component 60; St. Clair, IL NFIP claims score 85.
How many flood-insurance claims has St. Clair County, IL had?
St. Clair, IL: 131 NFIP claims, three years; St. Clair, IL paid $1,484,607; per St. Clair, IL claim $11,333; carriers reprice St. Clair, IL against that record.
Which St. Clair County ZIP codes carry the most insurance distress (IL)?
St. Clair, IL, June 2026: 62059 at 0, 62201 at 0, 62203 at 0, 62204 at 0; St. Clair, IL climate scores there: 95, 95, 95, 95.
Why does St. Clair, IL insurance distress create sellers?
A St. Clair, IL premium outruns the St. Clair, IL budget; a carrier leaves St. Clair, IL; St. Clair, IL carrying cost passes plan; St. Clair, IL owners sell while current; St. Clair, IL insurance distress leads St. Clair, IL foreclosure data.