Florida's Most Distressed ZIP Codes — 2026 Public-Record Report
Florida is the most distressed state in America on DLRadar's index, and the pressure concentrates in specific ZIP codes. DLRadar scores all 1,013 Florida ZIPs 0-100 from public records, averaging 36/100, topping out at 66/100. Here are the most distressed Florida ZIP codes for 2026.
- Florida's most distressed ZIP code is 33946, scoring 66/100.
- DLRadar scores all 1,013 Florida ZIP codes across 67 counties, averaging 36/100 — the highest state average in America.
- The most stressed Florida counties are Hamilton County, Lafayette County, Holmes County, Jackson County, Suwannee County.
- 6+ Florida ZIPs score 60/100 or higher — concentrated distress, not a statewide average.
Florida ZIPs figures: DLRadar's monthly public-record distress index; cite Florida ZIPs with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 33946 | 66/100 |
| 2 | 33947 | 66/100 |
| 3 | 33948 | 66/100 |
| 4 | 33950 | 66/100 |
| 5 | 33952 | 66/100 |
| 6 | 33953 | 66/100 |
Most distressed ZIP codes in Florida (composite distress 0-100, 2026)
How Florida ZIPs are scored
Every Florida ZIPs score is a 0-100 composite; the Florida ZIPs composite reads three axes: market stress (Florida ZIPs price pressure), structural risk (Florida ZIPs climate, insurance and institutional exposure) and Florida ZIPs distress activity (Florida ZIPs foreclosure filings, delinquency and liens); every Florida ZIPs figure is deterministic and rule-based, so Florida ZIPs compare directly.
The Florida market, county by county
Across 67 scored counties and 1,013 ZIPs, the phase split runs 35 peak, 16 contraction, 6 expansion, 6 recovery. The most stressed counties include Hamilton County, Lafayette County, Holmes County, Jackson County, Suwannee County.
From Florida ZIPs to a distressed property
Each Florida ZIPs score is a starting point for Florida ZIPs; a DLRadar plan opens Florida ZIPs distressed parcels, all 12 Florida ZIPs property-distress categories scored: mortgage, tax-lien (Florida ZIPs), vacancy, code-violation (Florida ZIPs), probate and more; start from the highest-composite Florida ZIPs above.
Florida ZIPs: the distressed properties behind the data
Florida ZIPs rankings are free to read; the Florida ZIPs live board refreshes every 15 minutes; a monthly Florida ZIPs plan opens the parcels behind Florida ZIPs, cancel any time.
Florida ZIPs figures refresh monthly.
What people ask
What is the most distressed ZIP code in Florida?
ZIP 33946 scores 66/100 — among the highest composite distress in Florida. Recomputed monthly from public records.
Why is Florida the most distressed state?
Florida stacks multiple drivers at once — hurricane and flood exposure feeding an insurance crisis, price dislocation in Gulf-coast markets, and elevated tax-lien and foreclosure activity — rolled into one 0-100 score per ZIP across 1,013 Florida ZIPs.
Is the Florida distress data free?
Florida ZIPs rankings are free to browse; cite Florida ZIPs with attribution to DLRadar; the Florida ZIPs live board refreshes every 15 minutes; Florida ZIPs property-level detail opens on a monthly Florida ZIPs plan, cancel any time, with a 7-day browse-only free trial.
Related
Florida ZIPs scores are deterministic reads of Florida ZIPs public records; Florida ZIPs figures are research, not investment, legal or Florida ZIPs financial advice; the Florida ZIPs index refreshes monthly.