Ionia County, MI: Home-Insurance Distress & Forced-Sale Pressure
Ionia County, MI: 57/100 (elevated) home-insurance distress; Ionia, MI band MEDIUM; Ionia, MI #968 of 3,222 counties; Ionia, MI #24 of 83 in Michigan.
FEMA hazard, Ionia, MI: 52/100; Ionia, MI declarations, three years: 2; Ionia, MI perils: 2 flood; Ionia, MI five-year count 2 (severity 3.0); Ionia, MI ten-year 2; hazard-weighted, Ionia, MI: 4.0.
Declared incidents on the Ionia, MI record: 2024 Flood 2 (Ionia, MI).
NFIP claims, Ionia, MI, three years: 2; Ionia, MI payouts $31,300; per Ionia, MI claim $15,650; Ionia, MI claim-stress 64/100.
Ionia, MI monthly score fell, 70 (March 2026) to 61 (October 2026); Ionia, MI by month: March 70, April 70, May 69, June 69 (Ionia, MI), July 67, August 66, September 66, October 61.
Ionia, MI components: climate 60, NFIP claims 64; Ionia, MI retreat index 61.
Construction distress, Ionia, MI: 59/100 as of August 2026 (Ionia, MI: 63/100 one-to-four unit, 11/100 multifamily).
Ionia, MI ZIPs, June 2026 (Ionia, MI, 16 highest): score 0 (Ionia, MI), climate 93 (Ionia, MI): 49302; score 0 (Ionia, MI), climate 86 (Ionia, MI): 49331; score 0 (Ionia, MI), climate 69 (Ionia, MI): 48861; score 0 (Ionia, MI), climate 66 (Ionia, MI): 48837; score 0 (Ionia, MI), climate 65 (Ionia, MI): 48809, 48838; score 0 (Ionia, MI), climate 64 (Ionia, MI): 48890; score 0 (Ionia, MI), climate 58 (Ionia, MI): 48815, 48834, 48846, 48851, Ionia, MI 48860, 48865, 48870, 48875, Ionia, MI 48881.
DLRadar rescores Ionia, MI monthly; Ionia, MI readings join Ionia, MI foreclosure, lien and ownership parcels (Ionia, MI), so cost-squeezed Ionia, MI owners surface before listing.
Inside Michigan, Ionia County ranks 24th of 83 counties for home-insurance distress at 57/100; Livingston County (58/100) sits just above Ionia County, and Barry County (57/100) sits just below Ionia County.
Deterministic. Every Ionia County, MI signal traces to a public Ionia dataset (FEMA, NFIP, Census for Ionia, MI) · how insurance distress works in Ionia, MI · methodology
FAQ: Ionia County, MI insurance distress
What is the Ionia County, MI home-insurance-distress score?
Ionia, MI: 57/100 (MEDIUM), #968 of 3,222, #24 in Michigan. FEMA hazard, Ionia, MI: 52/100; NFIP stress, Ionia, MI: 64/100; construction, Ionia, MI: 59/100; Ionia, MI rescores monthly.
Is Ionia County insurance distress getting better or worse (MI)?
Ionia, MI: 70 in March 2026; Ionia, MI: 61 in October 2026 (better); Ionia, MI climate component 60; Ionia, MI NFIP claims score 64.
How many flood-insurance claims has Ionia County, MI had?
Ionia, MI: 2 NFIP claims, three years; Ionia, MI paid $31,300; per Ionia, MI claim $15,650; carriers reprice Ionia, MI against that record.
Which Ionia County ZIP codes carry the most insurance distress (MI)?
Ionia, MI, June 2026: 49302 at 0, 49331 at 0, 48861 at 0, 48837 at 0; Ionia, MI climate scores there: 93, 86, 69, 66.
Why does Ionia, MI insurance distress create sellers?
A Ionia, MI premium outruns the Ionia, MI budget; a carrier leaves Ionia, MI; Ionia, MI carrying cost passes plan; Ionia, MI owners sell while current; Ionia, MI insurance distress leads Ionia, MI foreclosure data.