Montcalm County, MI: Home-Insurance Distress & Forced-Sale Pressure
Montcalm County, MI: 60/100 (elevated) home-insurance distress; Montcalm, MI band MEDIUM; Montcalm, MI #885 of 3,222 counties; Montcalm, MI #16 of 83 in Michigan.
FEMA hazard, Montcalm, MI: 52/100; Montcalm, MI declarations, three years: 2; Montcalm, MI perils: 2 flood; hazard-weighted, Montcalm, MI: 4.0.
Declared incidents on the Montcalm, MI record: 2026 Flood 3 (Montcalm, MI).
NFIP claims, Montcalm, MI, three years: 3; Montcalm, MI payouts $83,754; per Montcalm, MI claim $27,918; Montcalm, MI claim-stress 73/100.
Montcalm, MI monthly score rose, 0 (March 2026) to 65 (October 2026); Montcalm, MI by month: March 0, April 0, May 20, June 20 (Montcalm, MI), July 56, August 55, September 55, October 65.
Montcalm, MI components: climate 60, NFIP claims 73; Montcalm, MI retreat index 65.
Construction distress, Montcalm, MI: 44/100 as of August 2026 (Montcalm, MI: 48/100 one-to-four unit, 0/100 multifamily).
Montcalm, MI ZIPs, June 2026 (Montcalm, MI, 16 highest): score 0 (Montcalm, MI), climate 80 (Montcalm, MI): 49326; score 0 (Montcalm, MI), climate 72 (Montcalm, MI): 49343; score 0 (Montcalm, MI), climate 67 (Montcalm, MI): 49336; score 0 (Montcalm, MI), climate 66 (Montcalm, MI): 49310; score 0 (Montcalm, MI), climate 65 (Montcalm, MI): 48809, 48838; score 0 (Montcalm, MI), climate 61 (Montcalm, MI): 48850; score 0 (Montcalm, MI), climate 59 (Montcalm, MI): 49347; score 0 (Montcalm, MI), climate 58 (Montcalm, MI): 48818, 48829, 48834, 48852, Montcalm, MI 48884, 48885, 48886, 48888.
DLRadar rescores Montcalm, MI monthly; Montcalm, MI readings join Montcalm, MI foreclosure, lien and ownership parcels (Montcalm, MI), so cost-squeezed Montcalm, MI owners surface before listing.
Inside Michigan, Montcalm County ranks 16th of 83 counties for home-insurance distress at 60/100; Crawford County (61/100) sits just above Montcalm County, and Oceana County (60/100) sits just below Montcalm County.
Deterministic. Every Montcalm County, MI signal traces to a public Montcalm dataset (FEMA, NFIP, Census for Montcalm, MI) · how insurance distress works in Montcalm, MI · methodology
FAQ: Montcalm County, MI insurance distress
What is the Montcalm County, MI home-insurance-distress score?
Montcalm, MI: 60/100 (MEDIUM), #885 of 3,222, #16 in Michigan. FEMA hazard, Montcalm, MI: 52/100; NFIP stress, Montcalm, MI: 73/100; construction, Montcalm, MI: 44/100; Montcalm, MI rescores monthly.
Is Montcalm County insurance distress getting better or worse (MI)?
Montcalm, MI: 0 in March 2026; Montcalm, MI: 65 in October 2026 (worse); Montcalm, MI climate component 60; Montcalm, MI NFIP claims score 73.
How many flood-insurance claims has Montcalm County, MI had?
Montcalm, MI: 3 NFIP claims, three years; Montcalm, MI paid $83,754; per Montcalm, MI claim $27,918; carriers reprice Montcalm, MI against that record.
Which Montcalm County ZIP codes carry the most insurance distress (MI)?
Montcalm, MI, June 2026: 49326 at 0, 49343 at 0, 49336 at 0, 49310 at 0; Montcalm, MI climate scores there: 80, 72, 67, 66.
Why does Montcalm, MI insurance distress create sellers?
A Montcalm, MI premium outruns the Montcalm, MI budget; a carrier leaves Montcalm, MI; Montcalm, MI carrying cost passes plan; Montcalm, MI owners sell while current; Montcalm, MI insurance distress leads Montcalm, MI foreclosure data.