Madison County, TX: Home-Insurance Distress & Forced-Sale Pressure
Madison County, TX: 74/100 (severe) home-insurance distress; Madison, TX band MEDIUM; Madison, TX #528 of 3,222 counties; Madison, TX #53 of 254 in Texas; raw Madison, TX 78.3.
FEMA hazard, Madison, TX: 84/100; Madison, TX declarations, three years: 6; Madison, TX perils: 2 hurricane, 2 flood; Madison, TX five-year count 4 (severity 6.0); Madison, TX ten-year 4; hazard-weighted, Madison, TX: 21.0.
Declared incidents on the Madison, TX record: 2024 Hurricane 2; 2024 Flood 2 (Madison, TX).
NFIP claims, Madison, TX, three years: 1; Madison, TX payouts $17,147; per Madison, TX claim $17,147; Madison, TX claim-stress 59/100.
Madison, TX monthly score held, 74 (March 2026) to 74 (October 2026); Madison, TX by month: March 74, April 74, May 78, June 78 (Madison, TX), July 76, August 78, September 76, October 74.
Madison, TX components: climate 83, NFIP claims 59; Madison, TX retreat index 74.
Construction distress, Madison, TX: 37/100 as of August 2026 (Madison, TX: 37/100 one-to-four unit, 35/100 multifamily).
Madison, TX ZIPs, June 2026 (Madison, TX, 5 highest): score 0 (Madison, TX), climate 57 (Madison, TX): 77831; score 0 (Madison, TX), climate 46 (Madison, TX): 77871; score 0 (Madison, TX), climate 42 (Madison, TX): 75852; score 0 (Madison, TX), climate 34 (Madison, TX): 77872; score 0 (Madison, TX), climate 33 (Madison, TX): 77864.
DLRadar rescores Madison, TX monthly; Madison, TX readings join Madison, TX foreclosure, lien and ownership parcels (Madison, TX), so cost-squeezed Madison, TX owners surface before listing.
Inside Texas, Madison County ranks 50th of 254 counties for home-insurance distress at 74/100; Zavala County (74/100) sits just above Madison County, and Houston County (74/100) sits just below Madison County.
Deterministic. Every Madison County, TX signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, TX) · how insurance distress works in Madison, TX · methodology
FAQ: Madison County, TX insurance distress
What is the Madison County, TX home-insurance-distress score?
Madison, TX: 74/100 (MEDIUM), #528 of 3,222, #53 in Texas. FEMA hazard, Madison, TX: 84/100; NFIP stress, Madison, TX: 59/100; construction, Madison, TX: 37/100; Madison, TX rescores monthly.
Is Madison County insurance distress getting better or worse (TX)?
Madison, TX: 74 in March 2026; Madison, TX: 74 in October 2026 (unchanged); Madison, TX climate component 83; Madison, TX NFIP claims score 59.
How many flood-insurance claims has Madison County, TX had?
Madison, TX: 1 NFIP claims, three years; Madison, TX paid $17,147; per Madison, TX claim $17,147; carriers reprice Madison, TX against that record.
Which Madison County ZIP codes carry the most insurance distress (TX)?
Madison, TX, June 2026: 77831 at 0, 77871 at 0, 75852 at 0, 77872 at 0; Madison, TX climate scores there: 57, 46, 42, 34.
Why does Madison, TX insurance distress create sellers?
A Madison, TX premium outruns the Madison, TX budget; a carrier leaves Madison, TX; Madison, TX carrying cost passes plan; Madison, TX owners sell while current; Madison, TX insurance distress leads Madison, TX foreclosure data.