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.
Source data is DLRadar's monthly public-record index. Citation welcome, 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 ZIP-level distress is scored
Every Florida ZIP carries a 0-100 composite built from three axes — market stress (price pressure), structural risk (climate, insurance, institutional exposure) and distress activity (foreclosure filings, mortgage delinquency, auctions). It is deterministic and public-record-sourced — no black-box estimates.
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 a distressed ZIP to a distressed property
Each ZIP score is a starting point. A DLRadar plan unlocks the actual distressed parcels inside each ZIP with all 12 property-distress categories scored — mortgage, tax-lien, vacancy, code-violation, probate and more. Start with the highest-composite ZIPs above.
See the distressed properties behind the data in Florida
Florida's ZIP-level scores stay free. The 60-minute exploration is what unlocks the property-level detail behind them — no card today.
No card charged today · explore every module with live data.
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?
The ZIP and county rankings are free to browse and cite with attribution. Property-level detail unlocks with a plan — a 60-minute free exploration, no card charged.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.