Madison County, VA: Home-Insurance Distress & Forced-Sale Pressure
Madison County, VA: 32/100 (moderate) home-insurance distress; Madison, VA band LOW; Madison, VA #1,551 of 3,222 counties; Madison, VA #37 of 133 in Virginia; raw Madison, VA 37.9; Madison, VA coverage multiplier 0.85.
FEMA hazard, Madison, VA: 63/100; Madison, VA declarations, three years: 4; Madison, VA perils: 2 tropical-storm; Madison, VA five-year count 4 (severity 7.0); Madison, VA ten-year 4; hazard-weighted, Madison, VA: 6.0.
Declared incidents on the Madison, VA record: 2026 Winter Storm 2; 2024 Tropical Storm 2 (Madison, VA).
NFIP claims, Madison, VA, three years: none; Madison, VA claim-stress 0/100.
Madison, VA monthly score fell, 33 (March 2026) to 30 (October 2026); Madison, VA by month: March 33, April 33, May 35, June 35 (Madison, VA), July 33, August 33, September 38, October 30.
Madison, VA components: climate 60; Madison, VA retreat index 30; Madison, VA climate multiplier 0.85.
Construction distress, Madison, VA: 83/100 as of August 2026 (Madison, VA: 83/100 one-to-four unit, 0/100 multifamily).
Madison, VA ZIPs, June 2026 (Madison, VA, 16 highest): score 0 (Madison, VA), climate 43 (Madison, VA): 22701; score 0 (Madison, VA), climate 40 (Madison, VA): 22733; score 0 (Madison, VA), climate 31 (Madison, VA): 22972; score 0 (Madison, VA), climate 30 (Madison, VA): 22960; score 0 (Madison, VA), climate 24 (Madison, VA): 22735; score 0 (Madison, VA), climate 11 (Madison, VA): 22973; score 0 (Madison, VA), climate 10 (Madison, VA): 22709, 22711, 22715, 22719, Madison, VA 22722, 22723, 22725, 22727, Madison, VA 22730, 22731.
DLRadar rescores Madison, VA monthly; Madison, VA readings join Madison, VA foreclosure, lien and ownership parcels (Madison, VA), so cost-squeezed Madison, VA owners surface before listing.
Inside Virginia, Madison County ranks 37th of 133 counties for home-insurance distress at 32/100; Floyd County (35/100) sits just above Madison County, and Patrick County (32/100) sits just below Madison County.
Deterministic. Every Madison County, VA signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, VA) · how insurance distress works in Madison, VA · methodology
FAQ: Madison County, VA insurance distress
What is the Madison County, VA home-insurance-distress score?
Madison, VA: 32/100 (LOW), #1,551 of 3,222, #37 in Virginia. FEMA hazard, Madison, VA: 63/100; NFIP stress, Madison, VA: 0/100; construction, Madison, VA: 83/100; Madison, VA rescores monthly.
Is Madison County insurance distress getting better or worse (VA)?
Madison, VA: 33 in March 2026; Madison, VA: 30 in October 2026 (better); Madison, VA climate component 60.
Which Madison County ZIP codes carry the most insurance distress (VA)?
Madison, VA, June 2026: 22701 at 0, 22733 at 0, 22972 at 0, 22960 at 0; Madison, VA climate scores there: 43, 40, 31, 30.
Why does Madison, VA insurance distress create sellers?
A Madison, VA premium outruns the Madison, VA budget; a carrier leaves Madison, VA; Madison, VA carrying cost passes plan; Madison, VA owners sell while current; Madison, VA insurance distress leads Madison, VA foreclosure data.