Madison County, IN: Home-Insurance Distress & Forced-Sale Pressure
Madison County, IN: 79/100 (severe) home-insurance distress; Madison, IN band MEDIUM; Madison, IN #379 of 3,222 counties; Madison, IN #1 of 92 in Indiana.
FEMA hazard, Madison, IN: 78/100; Madison, IN declarations, three years: 8; Madison, IN perils: 6 flood; Madison, IN five-year count 6 (severity 12.0); Madison, IN ten-year 6; hazard-weighted, Madison, IN: 12.0.
Declared incidents on the Madison, IN record: 2026 Flood 6; 2026 Winter Storm 3 (Madison, IN); 2025 Flood 3 (Madison, IN).
NFIP claims, Madison, IN, three years: 49; Madison, IN payouts $452,458; per Madison, IN claim $9,234; Madison, IN claim-stress 81/100.
Madison, IN monthly score rose, 45 (March 2026) to 85 (October 2026); Madison, IN by month: March 45, April 45, May 41, June 41 (Madison, IN), July 39, August 57, September 54, October 85.
Madison, IN components: climate 88, NFIP claims 81; Madison, IN retreat index 85.
Construction distress, Madison, IN: 35/100 as of August 2026 (Madison, IN: 34/100 one-to-four unit, 40/100 multifamily).
Madison, IN ZIPs, June 2026 (Madison, IN, 16 highest): score 0 (Madison, IN), climate 91 (Madison, IN): 46060; score 0 (Madison, IN), climate 77 (Madison, IN): 46001, 46011, 46012, 46013, Madison, IN 46016, 46017, 46044, 46048, Madison, IN 46051, 46063, 46070; score 0 (Madison, IN), climate 74 (Madison, IN): 46064; score 0 (Madison, IN), climate 71 (Madison, IN): 46056; score 0 (Madison, IN), climate 68 (Madison, IN): 46928; score 0 (Madison, IN), climate 66 (Madison, IN): 46040.
DLRadar rescores Madison, IN monthly; Madison, IN readings join Madison, IN foreclosure, lien and ownership parcels (Madison, IN), so cost-squeezed Madison, IN owners surface before listing.
Inside Indiana, Madison County ranks 2nd of 92 counties for home-insurance distress at 79/100; Harrison County (79/100) sits just above Madison County, and Morgan County (78/100) sits just below Madison County.
Deterministic. Every Madison County, IN signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, IN) · how insurance distress works in Madison, IN · methodology
FAQ: Madison County, IN insurance distress
What is the Madison County, IN home-insurance-distress score?
Madison, IN: 79/100 (MEDIUM), #379 of 3,222, #1 in Indiana. FEMA hazard, Madison, IN: 78/100; NFIP stress, Madison, IN: 81/100; construction, Madison, IN: 35/100; Madison, IN rescores monthly.
Is Madison County insurance distress getting better or worse (IN)?
Madison, IN: 45 in March 2026; Madison, IN: 85 in October 2026 (worse); Madison, IN climate component 88; Madison, IN NFIP claims score 81.
How many flood-insurance claims has Madison County, IN had?
Madison, IN: 49 NFIP claims, three years; Madison, IN paid $452,458; per Madison, IN claim $9,234; carriers reprice Madison, IN against that record.
Which Madison County ZIP codes carry the most insurance distress (IN)?
Madison, IN, June 2026: 46060 at 0, 46001 at 0, 46011 at 0, 46012 at 0; Madison, IN climate scores there: 91, 77, 77, 77.
Why does Madison, IN insurance distress create sellers?
A Madison, IN premium outruns the Madison, IN budget; a carrier leaves Madison, IN; Madison, IN carrying cost passes plan; Madison, IN owners sell while current; Madison, IN insurance distress leads Madison, IN foreclosure data.