Stephenson County, IL: Home-Insurance Distress & Forced-Sale Pressure
Stephenson County, IL: 19/100 (low) home-insurance distress; Stephenson, IL band LOW; Stephenson, IL #2,365 of 3,222 counties; Stephenson, IL #36 of 102 in Illinois; raw Stephenson, IL 21.9; Stephenson, IL coverage multiplier 0.85.
FEMA hazard, Stephenson, IL: 0/100; Stephenson, IL declarations, three years: none.
NFIP claims, Stephenson, IL, three years: 2; Stephenson, IL payouts $2,769; per Stephenson, IL claim $1,385; Stephenson, IL claim-stress 55/100.
Stephenson, IL monthly score held, 19 (March 2026) to 19 (October 2026); Stephenson, IL by month: March 19, April 19, May 20, June 20 (Stephenson, IL), July 20, August 20, September 20, October 19.
Stephenson, IL components: NFIP claims 55; Stephenson, IL retreat index 19; Stephenson, IL climate multiplier 0.85.
Construction distress, Stephenson, IL: 49/100 as of August 2026 (Stephenson, IL: 45/100 one-to-four unit, 15/100 multifamily).
Stephenson, IL ZIPs, June 2026 (Stephenson, IL, 16 highest): score 0 (Stephenson, IL), climate 89 (Stephenson, IL): 61063; score 0 (Stephenson, IL), climate 80 (Stephenson, IL): 61019; score 0 (Stephenson, IL), climate 75 (Stephenson, IL): 61047; score 0 (Stephenson, IL), climate 74 (Stephenson, IL): 61007; score 0 (Stephenson, IL), climate 73 (Stephenson, IL): 61013, 61018, 61027, 61032, Stephenson, IL 61039, 61050, 61060, 61067, Stephenson, IL 61070; score 0 (Stephenson, IL), climate 72 (Stephenson, IL): 61089; score 0 (Stephenson, IL), climate 71 (Stephenson, IL): 61048, 61062.
DLRadar rescores Stephenson, IL monthly; Stephenson, IL readings join Stephenson, IL foreclosure, lien and ownership parcels (Stephenson, IL), so cost-squeezed Stephenson, IL owners surface before listing.
Inside Illinois, Stephenson County ranks 36th of 102 counties for home-insurance distress at 19/100; Clinton County (19/100) sits just above Stephenson County, and Dekalb County (18/100) sits just below Stephenson County.
Deterministic. Every Stephenson County, IL signal traces to a public Stephenson dataset (FEMA, NFIP, Census for Stephenson, IL) · how insurance distress works in Stephenson, IL · methodology
FAQ: Stephenson County, IL insurance distress
What is the Stephenson County, IL home-insurance-distress score?
Stephenson, IL: 19/100 (LOW), #2,365 of 3,222, #36 in Illinois. FEMA hazard, Stephenson, IL: 0/100; NFIP stress, Stephenson, IL: 55/100; construction, Stephenson, IL: 49/100; Stephenson, IL rescores monthly.
Is Stephenson County insurance distress getting better or worse (IL)?
Stephenson, IL: 19 in March 2026; Stephenson, IL: 19 in October 2026 (unchanged); Stephenson, IL NFIP claims score 55.
How many flood-insurance claims has Stephenson County, IL had?
Stephenson, IL: 2 NFIP claims, three years; Stephenson, IL paid $2,769; per Stephenson, IL claim $1,385; carriers reprice Stephenson, IL against that record.
Which Stephenson County ZIP codes carry the most insurance distress (IL)?
Stephenson, IL, June 2026: 61063 at 0, 61019 at 0, 61047 at 0, 61007 at 0; Stephenson, IL climate scores there: 89, 80, 75, 74.
Why does Stephenson, IL insurance distress create sellers?
A Stephenson, IL premium outruns the Stephenson, IL budget; a carrier leaves Stephenson, IL; Stephenson, IL carrying cost passes plan; Stephenson, IL owners sell while current; Stephenson, IL insurance distress leads Stephenson, IL foreclosure data.