Morgan County, IN: Home-Insurance Distress & Forced-Sale Pressure
Morgan County, IN: 78/100 (severe) home-insurance distress; Morgan, IN band MEDIUM; Morgan, IN #416 of 3,222 counties; Morgan, IN #3 of 92 in Indiana.
FEMA hazard, Morgan, IN: 78/100; Morgan, IN declarations, three years: 8; Morgan, IN perils: 6 flood; Morgan, IN five-year count 9 (severity 15.0); Morgan, IN ten-year 9; hazard-weighted, Morgan, IN: 12.0.
Declared incidents on the Morgan, IN record: 2026 Flood 6; 2026 Winter Storm 3 (Morgan, IN); 2025 Flood 3; 2023 Severe Storm 3 (Morgan, IN).
NFIP claims, Morgan, IN, three years: 5; Morgan, IN payouts $160,479; per Morgan, IN claim $32,096; Morgan, IN claim-stress 78/100.
Morgan, IN monthly score rose, 68 (March 2026) to 84 (October 2026); Morgan, IN by month: March 68, April 68, May 64, June 64 (Morgan, IN), July 62, August 80, September 77, October 84.
Morgan, IN components: climate 88, NFIP claims 78; Morgan, IN retreat index 84.
Construction distress, Morgan, IN: 63/100 as of August 2026 (Morgan, IN: 62/100 one-to-four unit, 46/100 multifamily).
Morgan, IN ZIPs, June 2026 (Morgan, IN, 14 highest): score 0 (Morgan, IN), climate 80 (Morgan, IN): 46113, 46118; score 0 (Morgan, IN), climate 79 (Morgan, IN): 46106; score 0 (Morgan, IN), climate 73 (Morgan, IN): 46180; score 0 (Morgan, IN), climate 68 (Morgan, IN): 46158; score 0 (Morgan, IN), climate 67 (Morgan, IN): 46151; score 0 (Morgan, IN), climate 66 (Morgan, IN): 46111, 46125, 46157; score 0 (Morgan, IN), climate 65 (Morgan, IN): 46166; score 0 (Morgan, IN), climate 53 (Morgan, IN): 47433; score 0 (Morgan, IN), climate 48 (Morgan, IN): 46160; score 0 (Morgan, IN), climate 46 (Morgan, IN): 46120; score 0 (Morgan, IN), climate 43 (Morgan, IN): 47456.
DLRadar rescores Morgan, IN monthly; Morgan, IN readings join Morgan, IN foreclosure, lien and ownership parcels (Morgan, IN), so cost-squeezed Morgan, IN owners surface before listing.
Inside Indiana, Morgan County ranks 3rd of 92 counties for home-insurance distress at 78/100; Madison County (79/100) sits just above Morgan County, and Jefferson County (77/100) sits just below Morgan County.
Deterministic. Every Morgan County, IN signal traces to a public Morgan dataset (FEMA, NFIP, Census for Morgan, IN) · how insurance distress works in Morgan, IN · methodology
FAQ: Morgan County, IN insurance distress
What is the Morgan County, IN home-insurance-distress score?
Morgan, IN: 78/100 (MEDIUM), #416 of 3,222, #3 in Indiana. FEMA hazard, Morgan, IN: 78/100; NFIP stress, Morgan, IN: 78/100; construction, Morgan, IN: 63/100; Morgan, IN rescores monthly.
Is Morgan County insurance distress getting better or worse (IN)?
Morgan, IN: 68 in March 2026; Morgan, IN: 84 in October 2026 (worse); Morgan, IN climate component 88; Morgan, IN NFIP claims score 78.
How many flood-insurance claims has Morgan County, IN had?
Morgan, IN: 5 NFIP claims, three years; Morgan, IN paid $160,479; per Morgan, IN claim $32,096; carriers reprice Morgan, IN against that record.
Which Morgan County ZIP codes carry the most insurance distress (IN)?
Morgan, IN, June 2026: 46113 at 0, 46118 at 0, 46106 at 0, 46180 at 0; Morgan, IN climate scores there: 80, 80, 79, 73.
Why does Morgan, IN insurance distress create sellers?
A Morgan, IN premium outruns the Morgan, IN budget; a carrier leaves Morgan, IN; Morgan, IN carrying cost passes plan; Morgan, IN owners sell while current; Morgan, IN insurance distress leads Morgan, IN foreclosure data.