Madison County, NC: Home-Insurance Distress & Forced-Sale Pressure
Madison County, NC: 86/100 (severe) home-insurance distress; Madison, NC band HIGH; Madison, NC #211 of 3,222 counties; Madison, NC #19 of 100 in North Carolina; raw Madison, NC 90.8.
FEMA hazard, Madison, NC: 78/100; Madison, NC declarations, three years: 9; Madison, NC perils: 6 tropical-storm; Madison, NC five-year count 9 (severity 15.0); Madison, NC ten-year 9; hazard-weighted, Madison, NC: 18.0.
Declared incidents on the Madison, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Madison, NC).
NFIP claims, Madison, NC, three years: 41; Madison, NC payouts $7,889,929; per Madison, NC claim $192,437; Madison, NC claim-stress 97/100.
Madison, NC monthly score fell, 92 (March 2026) to 85 (October 2026); Madison, NC by month: March 92, April 92, May 90, June 90 (Madison, NC), July 87, August 89, September 86, October 85.
Madison, NC components: climate 77, NFIP claims 97; Madison, NC retreat index 85.
Construction distress, Madison, NC: 59/100 as of August 2026 (Madison, NC: 65/100 one-to-four unit, 60/100 multifamily).
Madison, NC ZIPs, June 2026 (Madison, NC, 6 highest): score 0 (Madison, NC), climate 87 (Madison, NC): 28701; score 0 (Madison, NC), climate 86 (Madison, NC): 28787; score 0 (Madison, NC), climate 83 (Madison, NC): 28748; score 0 (Madison, NC), climate 38 (Madison, NC): 28743; score 0 (Madison, NC), climate 31 (Madison, NC): 28753; score 0 (Madison, NC), climate 30 (Madison, NC): 28754.
DLRadar rescores Madison, NC monthly; Madison, NC readings join Madison, NC foreclosure, lien and ownership parcels (Madison, NC), so cost-squeezed Madison, NC owners surface before listing.
Inside North Carolina, Madison County ranks 23rd of 100 counties for home-insurance distress at 86/100; Rutherford County (86/100) sits just above Madison County, and Ashe County (86/100) sits just below Madison County.
Deterministic. Every Madison County, NC signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, NC) · how insurance distress works in Madison, NC · methodology
FAQ: Madison County, NC insurance distress
What is the Madison County, NC home-insurance-distress score?
Madison, NC: 86/100 (HIGH), #211 of 3,222, #19 in North Carolina. FEMA hazard, Madison, NC: 78/100; NFIP stress, Madison, NC: 97/100; construction, Madison, NC: 59/100; Madison, NC rescores monthly.
Is Madison County insurance distress getting better or worse (NC)?
Madison, NC: 92 in March 2026; Madison, NC: 85 in October 2026 (better); Madison, NC climate component 77; Madison, NC NFIP claims score 97.
How many flood-insurance claims has Madison County, NC had?
Madison, NC: 41 NFIP claims, three years; Madison, NC paid $7,889,929; per Madison, NC claim $192,437; carriers reprice Madison, NC against that record.
Which Madison County ZIP codes carry the most insurance distress (NC)?
Madison, NC, June 2026: 28701 at 0, 28787 at 0, 28748 at 0, 28743 at 0; Madison, NC climate scores there: 87, 86, 83, 38.
Why does Madison, NC insurance distress create sellers?
A Madison, NC premium outruns the Madison, NC budget; a carrier leaves Madison, NC; Madison, NC carrying cost passes plan; Madison, NC owners sell while current; Madison, NC insurance distress leads Madison, NC foreclosure data.