Madison County, NY: Home-Insurance Distress & Forced-Sale Pressure
Madison County, NY: 28/100 (moderate) home-insurance distress; Madison, NY band LOW; Madison, NY #1,650 of 3,222 counties; Madison, NY #25 of 62 in New York; raw Madison, NY 33.5; Madison, NY coverage multiplier 0.85.
FEMA hazard, Madison, NY: 0/100; Madison, NY declarations, three years: none.
NFIP claims, Madison, NY, three years: 26; Madison, NY payouts $506,023; per Madison, NY claim $19,462; Madison, NY claim-stress 84/100.
Madison, NY monthly score fell, 29 (March 2026) to 28 (October 2026); Madison, NY by month: March 29, April 29, May 29, June 29 (Madison, NY), July 29, August 29, September 29, October 28.
Madison, NY components: NFIP claims 84; Madison, NY retreat index 28; Madison, NY climate multiplier 0.85.
Construction distress, Madison, NY: 36/100 as of August 2026 (Madison, NY: 32/100 one-to-four unit, 65/100 multifamily).
Madison, NY ZIPs, June 2026 (Madison, NY, 16 highest): score 0 (Madison, NY), climate 90 (Madison, NY): 13104; score 0 (Madison, NY), climate 84 (Madison, NY): 13480; score 0 (Madison, NY), climate 82 (Madison, NY): 13425; score 0 (Madison, NY), climate 76 (Madison, NY): 13082; score 0 (Madison, NY), climate 73 (Madison, NY): 13030; score 0 (Madison, NY), climate 71 (Madison, NY): 13460, 13464; score 0 (Madison, NY), climate 68 (Madison, NY): 13122, 13421, 13491; score 0 (Madison, NY), climate 64 (Madison, NY): 13037, 13052, 13072, 13332, Madison, NY 13402, 13409.
DLRadar rescores Madison, NY monthly; Madison, NY readings join Madison, NY foreclosure, lien and ownership parcels (Madison, NY), so cost-squeezed Madison, NY owners surface before listing.
Inside New York, Madison County ranks 25th of 62 counties for home-insurance distress at 28/100; Rockland County (29/100) sits just above Madison County, and New York County (28/100) sits just below Madison County.
Deterministic. Every Madison County, NY signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, NY) · how insurance distress works in Madison, NY · methodology
FAQ: Madison County, NY insurance distress
What is the Madison County, NY home-insurance-distress score?
Madison, NY: 28/100 (LOW), #1,650 of 3,222, #25 in New York. FEMA hazard, Madison, NY: 0/100; NFIP stress, Madison, NY: 84/100; construction, Madison, NY: 36/100; Madison, NY rescores monthly.
Is Madison County insurance distress getting better or worse (NY)?
Madison, NY: 29 in March 2026; Madison, NY: 28 in October 2026 (better); Madison, NY NFIP claims score 84.
How many flood-insurance claims has Madison County, NY had?
Madison, NY: 26 NFIP claims, three years; Madison, NY paid $506,023; per Madison, NY claim $19,462; carriers reprice Madison, NY against that record.
Which Madison County ZIP codes carry the most insurance distress (NY)?
Madison, NY, June 2026: 13104 at 0, 13480 at 0, 13425 at 0, 13082 at 0; Madison, NY climate scores there: 90, 84, 82, 76.
Why does Madison, NY insurance distress create sellers?
A Madison, NY premium outruns the Madison, NY budget; a carrier leaves Madison, NY; Madison, NY carrying cost passes plan; Madison, NY owners sell while current; Madison, NY insurance distress leads Madison, NY foreclosure data.