Broward County, FL Home-Insurance Crisis: Risk Score & Non-Renewal Pressure (2026)
Home insurance has become a primary driver of housing distress in Broward County, Florida — DLRadar scores it 91/100, the #61 most insurance-distressed county in Florida. The read is built from FEMA hazard data, NFIP flood-claim history (39 NFIP flood claims and $881K paid out over three years) and carrier-pressure signals.
- NFIP records show 39 NFIP flood claims and $881K paid out over three years — about $23K per claim, the loss history that pushes premiums up and carriers out.
- Florida is the most insurance-distressed state in the U.S., and Broward County sits near the top of it.
- Its NFIP flood-claim stress score is 87/100.
- Broward County scores 91/100 for home-insurance distress — the #61 most insurance-distressed county in Florida.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
Why Broward County insurance is under pressure
DLRadar's insurance-distress score blends NFIP claim severity, premium trajectory, policy lapse rates and FEMA disaster density into a 0-100 read. In Broward County that lands at 91/100, on 39 NFIP flood claims and $881K paid out over three years. Rising premiums and carrier non-renewals push owners toward forced sales.
The investor angle in Broward County
For buyers, Broward County's 91/100 insurance score flags where forced sales are most likely to surface next. Underwrite coverage cost realistically, then use DLRadar to cross it against foreclosure and tax-lien activity in the same ZIPs.
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What people ask
How insurance-distressed is Broward County, FL?
Broward County scores 91/100 — the #61 most insurance-distressed county in Florida on DLRadar's insurance-distress index, built deterministically from FEMA, NFIP and carrier data and refreshed monthly.
Does insurance distress cause foreclosures?
It's a leading contributor. Unaffordable premiums and non-renewals raise carrying costs and can trigger lender force-placed insurance, pushing marginal owners toward default and forced sale.
Related
A deterministic scoring of public filings. Nothing on this page constitutes investment, legal or financial advice. Monthly refresh from the live index.