Florida County Foreclosure & Distress Reports (2026)
One report per county — 67 in Florida — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Florida distress hub; insurance pressure is on the Florida home-insurance page.
67 Florida county reports sit in this archive; Florida opportunity phases run 32 peak_opportunity, 23 strong_buy, 10 watchlist; Florida ninety-day delinquency 1.2%; 85 banks chartered in Florida; 72,136 HUD-assisted Florida units.
Florida counties to open first by opportunity rank: Hamilton (#1, strong_buy); Charlotte (#2, strong_buy); Lee (#3, strong_buy) in Florida; Sarasota (#4, strong_buy); Calhoun (#7, strong_buy); Okaloosa (#26, strong_buy).
Florida insurance bands across counties: 56 high in Florida, 11 medium; Florida NFIP claims 81,365 in three years.
Florida counties in the peak phase (35): Bradford, Broward, Calhoun, Columbia, Desoto, Dixie (Florida), Escambia, Franklin, Glades, Gulf, Hamilton, Hardee (Florida), Hendry, Hernando, Hillsborough, Holmes, Jackson, Lafayette (Florida), Lake, Liberty, Madison, Miami Dade, Monroe, Okeechobee (Florida), Orange, Osceola, Palm Beach, Pasco, Pinellas, Putnam (Florida), Santa Rosa, Seminole, Suwannee, Taylor, Union.
Florida counties in the contraction phase (16): Alachua, Baker, Charlotte, Clay, Duval, Flagler (Florida), Gilchrist, Lee, Levy, Manatee, Martin, Nassau (Florida), Sarasota, St Johns, St Lucie, Volusia.
Florida counties in the expansion phase (6): Citrus, Gadsden, Highlands, Jefferson, Leon, Wakulla.
Florida counties in the recovery phase (6): Brevard, Collier, Indian River, Marion, Polk, Sumter.
Florida counties in the neutral phase (4): Bay, Okaloosa, Walton, Washington.
Florida permitted 158,370 housing units in twelve months; 1,503,660 Florida units sit vacant of 10,256,470.
Florida counties highest on the national opportunity index: Hamilton #1 (48.7/100, strong_buy); Charlotte #2 (47.7/100, strong_buy); Lee #3 (45.5/100, strong_buy) in Florida; Sarasota #4 (44.3/100, strong_buy); Calhoun #7 (43.2/100, strong_buy); Okaloosa #26 (39.7/100, strong_buy) in Florida; Taylor #31 (39.3/100, strong_buy); Holmes #47 (38.7/100, strong_buy); Madison #51 (38.6/100, strong_buy) in Florida; Jackson #62 (38.2/100, strong_buy); Manatee #66 (38.1/100, strong_buy); Highlands #69 (38.0/100, strong_buy) in Florida.
How the Florida county reports are scored: each Florida report reads its county's foreclosure filings, Florida tax-lien and tax-deed records, FHA mortgage delinquency in Florida (ninety-day rate 1.2%, December 2025), the FDIC stress of Florida lenders (85 chartered in Florida) and FEMA/NFIP pressure on Florida (81,365 NFIP claims, three years), then scores every Florida ZIP 0-100.
Hamilton County leads Florida on the opportunity index at #1 nationally with 3 scored ZIPs. Every Florida report is rebuilt monthly from public records; a Florida county whose data lapses keeps its Florida page and says so.