Winnebago County, IL: Home-Insurance Distress & Forced-Sale Pressure
Winnebago County, IL: 74/100 (severe) home-insurance distress; Winnebago, IL band MEDIUM; Winnebago, IL #535 of 3,222 counties; Winnebago, IL #1 of 102 in Illinois; raw Winnebago, IL 67.2.
FEMA hazard, Winnebago, IL: 63/100; Winnebago, IL declarations, three years: 2; Winnebago, IL perils: 3 flood; Winnebago, IL five-year count 3 (severity 4.5); Winnebago, IL ten-year 3; hazard-weighted, Winnebago, IL: 4.0.
Declared incidents on the Winnebago, IL record: 2024 Flood 3 (Winnebago, IL).
NFIP claims, Winnebago, IL, three years: 52; Winnebago, IL payouts $1,562,903; per Winnebago, IL claim $30,056; Winnebago, IL claim-stress 90/100.
Winnebago, IL monthly score fell, 75 (March 2026) to 72 (October 2026); Winnebago, IL by month: March 75, April 75, May 71, June 71 (Winnebago, IL), July 79, August 67, September 67, October 72.
Winnebago, IL components: climate 60, NFIP claims 90; Winnebago, IL retreat index 72.
Construction distress, Winnebago, IL: 22/100 as of August 2026 (Winnebago, IL: 14/100 one-to-four unit, 100/100 multifamily).
Winnebago, IL ZIPs, June 2026 (Winnebago, IL, 16 highest): score 0 (Winnebago, IL), climate 92 (Winnebago, IL): 61024, 61072, 61077, 61079, Winnebago, IL 61088, 61101, 61103, 61104, Winnebago, IL 61108, 61109, 61112, 61115; score 0 (Winnebago, IL), climate 91 (Winnebago, IL): 61073, 61107, 61111; score 0 (Winnebago, IL), climate 90 (Winnebago, IL): 61102.
DLRadar rescores Winnebago, IL monthly; Winnebago, IL readings join Winnebago, IL foreclosure, lien and ownership parcels (Winnebago, IL), so cost-squeezed Winnebago, IL owners surface before listing.
Inside Illinois, Winnebago County ranks 1st of 102 counties for home-insurance distress at 74/100; St. Clair County (72/100) sits just below Winnebago County.
Deterministic. Every Winnebago County, IL signal traces to a public Winnebago dataset (FEMA, NFIP, Census for Winnebago, IL) · how insurance distress works in Winnebago, IL · methodology
FAQ: Winnebago County, IL insurance distress
What is the Winnebago County, IL home-insurance-distress score?
Winnebago, IL: 74/100 (MEDIUM), #535 of 3,222, #1 in Illinois. FEMA hazard, Winnebago, IL: 63/100; NFIP stress, Winnebago, IL: 90/100; construction, Winnebago, IL: 22/100; Winnebago, IL rescores monthly.
Is Winnebago County insurance distress getting better or worse (IL)?
Winnebago, IL: 75 in March 2026; Winnebago, IL: 72 in October 2026 (better); Winnebago, IL climate component 60; Winnebago, IL NFIP claims score 90.
How many flood-insurance claims has Winnebago County, IL had?
Winnebago, IL: 52 NFIP claims, three years; Winnebago, IL paid $1,562,903; per Winnebago, IL claim $30,056; carriers reprice Winnebago, IL against that record.
Which Winnebago County ZIP codes carry the most insurance distress (IL)?
Winnebago, IL, June 2026: 61024 at 0, 61072 at 0, 61077 at 0, 61079 at 0; Winnebago, IL climate scores there: 92, 92, 92, 92.
Why does Winnebago, IL insurance distress create sellers?
A Winnebago, IL premium outruns the Winnebago, IL budget; a carrier leaves Winnebago, IL; Winnebago, IL carrying cost passes plan; Winnebago, IL owners sell while current; Winnebago, IL insurance distress leads Winnebago, IL foreclosure data.