Colorado County Foreclosure & Distress Reports (2026)
One report per county — 64 in Colorado — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Colorado distress hub; insurance pressure is on the Colorado home-insurance page.
64 Colorado county reports sit in this archive; Colorado opportunity phases run 40 weak, 14 early_signal, 5 peak_opportunity; Colorado ninety-day delinquency 0.7%; 63 banks chartered in Colorado; 23,682 HUD-assisted Colorado units.
Colorado counties to open first by opportunity rank: Jackson (#334, overheated); Custer (#334, peak_opportunity); Mineral (#502, peak_opportunity) in Colorado; Lake (#522, peak_opportunity); Hinsdale (#554, overheated); Dolores (#554, peak_opportunity).
Colorado insurance bands across counties: 37 zero in Colorado, 24 low, 3 medium; Colorado NFIP claims 95 in three years.
Colorado counties in the peak phase (33): Archuleta, Baca, Bent, Chaffee, Cheyenne, Crowley (Colorado), Custer, Delta, Dolores, Grand, Gunnison, Hinsdale (Colorado), Huerfano, Jackson, Kiowa, Kit Carson, Las Animas, Lincoln (Colorado), Mineral, Montezuma, Otero, Ouray, Phillips, Prowers (Colorado), Rio Blanco, Rio Grande, Saguache, San Juan, San Miguel, Sedgwick (Colorado), Washington, Weld, Yuma.
Colorado counties in the contraction phase (29): Adams, Alamosa, Arapahoe, Boulder, Broomfield, Clear Creek (Colorado), Conejos, Costilla, Denver, Douglas, Eagle, Elbert (Colorado), El Paso, Fremont, Garfield, Gilpin, Jefferson, Lake (Colorado), La Plata, Logan, Moffat, Montrose, Morgan, Park (Colorado), Pitkin, Pueblo, Routt, Summit, Teller.
Colorado counties in the expansion phase (1): Mesa.
Colorado counties in the neutral phase (1): Larimer.
Colorado permitted 33,093 housing units in twelve months; 214,835 Colorado units sit vacant of 2,589,053.
Colorado counties highest on the national opportunity index: Jackson #334 (34.4/100, overheated); Custer #334 (34.4/100, peak_opportunity); Mineral #502 (33.4/100, peak_opportunity) in Colorado; Lake #522 (33.3/100, peak_opportunity); Dolores #554 (33.1/100, peak_opportunity); Hinsdale #554 (33.1/100, overheated) in Colorado; Crowley #554 (33.1/100, peak_opportunity); San Miguel #720 (32.3/100, early_signal); Pueblo #834 (31.8/100, watchlist) in Colorado; Archuleta #834 (31.8/100, early_signal); Grand #897 (31.6/100, early_signal); San Juan #897 (31.6/100, early_signal) in Colorado.
How the Colorado county reports are scored: each Colorado report reads its county's foreclosure filings, Colorado tax-lien and tax-deed records, FHA mortgage delinquency in Colorado (ninety-day rate 0.7%, December 2025), the FDIC stress of Colorado lenders (63 chartered in Colorado) and FEMA/NFIP pressure on Colorado (95 NFIP claims, three years), then scores every Colorado ZIP 0-100.
Jackson County leads Colorado on the opportunity index at #334 nationally with 4 scored ZIPs. Every Colorado report is rebuilt monthly from public records; a Colorado county whose data lapses keeps its Colorado page and says so.