ZIP 13037 Property Distress & Foreclosure Data

Composite property distress in 13037 (Madison County, New York) lands at 18/100 — low on DLRadar's public-record scoring. It additionally carries heavy environmental risk: flood (NFIP) exposure (84/100), climate & FEMA risk (64/100). The sharpest non-environmental signals are structural risk (42/100), construction/permit lag (24/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. Structural risk reads 42/100 against active distress of 3/100.

The market reads expansion — home values rose 8.0% year on year, and 42% higher over three years, at 52/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

Vacancy runs 7.2%. Rent burden reaches 46% of tenant households. 75% of housing is owner-occupied. Around 34% of adults hold a bachelor's degree or higher. The typical home is worth about $213,300 (2.7× income, relatively affordable). At $79,191, median income runs near typical U.S. levels. About 9,519 people live here, median age 43. There are about 4,047 housing units across 13037. The poverty rate is 9.4%. The demographic-stress sub-score lands at 27/100.

Overall 13037 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.