Madison County, MO: Home-Insurance Distress & Forced-Sale Pressure
Madison County, MO: 35/100 (moderate) home-insurance distress; Madison, MO band LOW; Madison, MO #1,469 of 3,222 counties; Madison, MO #35 of 115 in Missouri; raw Madison, MO 46.9; Madison, MO coverage multiplier 0.85.
FEMA hazard, Madison, MO: 68/100; Madison, MO declarations, three years: 12; Madison, MO perils: 12 severe-storm; Madison, MO five-year count 12 (severity 19.5); Madison, MO ten-year 12; hazard-weighted, Madison, MO: 12.0.
Declared incidents on the Madison, MO record: 2026 Severe Storm 3; 2025 Severe Storm 6 (Madison, MO); 2024 Severe Storm 3; 2023 Severe Storm 2 (Madison, MO).
NFIP claims, Madison, MO, three years: none; Madison, MO claim-stress 0/100.
Madison, MO monthly score rose, 37 (March 2026) to 39 (October 2026); Madison, MO by month: March 37, April 37, May 35, June 35 (Madison, MO), July 41, August 33, September 36, October 39.
Madison, MO components: climate 77; Madison, MO retreat index 39; Madison, MO climate multiplier 0.85.
Construction distress, Madison, MO: 1/100 as of August 2026 (Madison, MO: 1/100 one-to-four unit, 38/100 multifamily).
Madison, MO ZIPs, June 2026 (Madison, MO, 7 highest): score 0 (Madison, MO), climate 69 (Madison, MO): 63650; score 0 (Madison, MO), climate 63 (Madison, MO): 63620; score 0 (Madison, MO), climate 62 (Madison, MO): 63621; score 0 (Madison, MO), climate 61 (Madison, MO): 63636; score 0 (Madison, MO), climate 59 (Madison, MO): 63964; score 0 (Madison, MO), climate 53 (Madison, MO): 63645; score 0 (Madison, MO), climate 47 (Madison, MO): 63655.
DLRadar rescores Madison, MO monthly; Madison, MO readings join Madison, MO foreclosure, lien and ownership parcels (Madison, MO), so cost-squeezed Madison, MO owners surface before listing.
Inside Missouri, Madison County ranks 35th of 115 counties for home-insurance distress at 35/100; Carter County (35/100) sits just above Madison County, and Oregon County (35/100) sits just below Madison County.
Deterministic. Every Madison County, MO signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, MO) · how insurance distress works in Madison, MO · methodology
FAQ: Madison County, MO insurance distress
What is the Madison County, MO home-insurance-distress score?
Madison, MO: 35/100 (LOW), #1,469 of 3,222, #35 in Missouri. FEMA hazard, Madison, MO: 68/100; NFIP stress, Madison, MO: 0/100; construction, Madison, MO: 1/100; Madison, MO rescores monthly.
Is Madison County insurance distress getting better or worse (MO)?
Madison, MO: 37 in March 2026; Madison, MO: 39 in October 2026 (worse); Madison, MO climate component 77.
Which Madison County ZIP codes carry the most insurance distress (MO)?
Madison, MO, June 2026: 63650 at 0, 63620 at 0, 63621 at 0, 63636 at 0; Madison, MO climate scores there: 69, 63, 62, 61.
Why does Madison, MO insurance distress create sellers?
A Madison, MO premium outruns the Madison, MO budget; a carrier leaves Madison, MO; Madison, MO carrying cost passes plan; Madison, MO owners sell while current; Madison, MO insurance distress leads Madison, MO foreclosure data.