Insurance and NFIP Stress by ZIP: FEMA Hazard, Flood Claims and the Distress Score (2026)
The insurance and NFIP card is the ZIP version of the county insurance-distress page: a 0-100 score built from NFIP flood-claim stress, FEMA hazard stress and the climate reading, shown with its components so a user can see whether claims or hazard drive it. Insurance is the carrying cost that forces sales in coastal markets; this report ranks the highest-scoring ZIPs and gives the national averages.
- 33,792 ZIPs carry an insurance-distress score; the average is 42.2 and 7,480 ZIPs score 70 or higher on the insurance-nfip card.
- Average NFIP stress is 52.7 and average FEMA stress 38.7 across scored ZIPs.
- 34433 in Citrus County, FL scores highest at 99.0, NFIP 99.0 and FEMA 100.0.
- The insurance-nfip score is the ZIP input to the county insurance-distress page.
insurance-nfip: the insurance and NFIP card figures as of 2026-10-20; source FEMA hazard layers, NFIP claims and climate readings by ZIP.
| ZIP (county, state) | Insurance distress | NFIP stress | FEMA stress | Climate score |
|---|---|---|---|---|
| 34433 (Citrus, FL) | 99.0 | 99.0 | 100.0 | 100.0 |
| 34139 (Collier, FL) | 99.0 | 98.0 | 99.0 | 99.0 |
| 33971 (Lee, FL) | 99.0 | 97.0 | 99.0 | 99.0 |
| 33713 (Pinellas, FL) | 99.0 | 100.0 | 99.0 | 99.0 |
| 33607 (Hillsborough, FL) | 99.0 | 99.0 | 99.0 | 99.0 |
| 34698 (Pinellas, FL) | 99.0 | 100.0 | 99.0 | 99.0 |
| 34236 (Sarasota, FL) | 99.0 | 99.0 | 99.0 | 99.0 |
| 33771 (Pinellas, FL) | 99.0 | 100.0 | 99.0 | 99.0 |
| 33982 (Charlotte, FL) | 99.0 | 98.0 | 99.0 | 99.0 |
| 33617 (Hillsborough, FL) | 99.0 | 99.0 | 99.0 | 99.0 |
ZIPs by insurance-distress score (insurance-nfip, as of 2026-10-20)
ZIPs with the highest insurance distress (insurance-nfip)
34433 in Citrus County, FL: score 99.0, NFIP 99.0, FEMA 100.0, climate 100.0; 34139 in Collier County, FL: score 99.0, NFIP 98.0, FEMA 99.0, climate 99.0; 33971 in Lee County, FL: score 99.0, NFIP 97.0, FEMA 99.0, climate 99.0; 33713 in Pinellas County, FL: score 99.0, NFIP 100.0, FEMA 99.0, climate 99.0; 33607 in Hillsborough County, FL: score 99.0, NFIP 99.0, FEMA 99.0, climate 99.0; 34698 in Pinellas County, FL: score 99.0, NFIP 100.0, FEMA 99.0, climate 99.0.
What insurance-nfip measures
Insurance distress score, NFIP stress (three-year claims and payouts against the ZIP's stock), FEMA stress (hazard exposure), the climate score and the flood-zone share where mapped. The FEMA flood flag on the same card reads the parcel's own zone.
How insurance-nfip is computed
Each component is scaled against the national distribution and combined; the ZIP score is recomputed monthly as NFIP settlements and FEMA revisions land. Climate reads the NOAA disaster frequency and severity for the ZIP's county.
How to use insurance-nfip on a deal
A high score with high NFIP stress is a ZIP where flood claims have already hit and premiums follow; a high score driven by FEMA hazard is exposure not yet claimed. Either way, financed buyers face mandatory cover and sellers who have lost a carrier are motivated. Underwrite the premium before the price.
Read insurance-nfip on your ZIPs
The insurance-distress pages rank every county; the live board shows the ZIP card and the flood flag on each parcel.
Insurance-nfip refreshes with its source table.
Insurance and NFIP Stress by ZIP: FEMA Hazard, Flood Claims and the Distress Score (2026): questions
Is the premium on the card?
No. Premiums are private; the card reads claims, hazard and climate as the pressure proxies.
How does this relate to the county page?
The county insurance page is the same model at county level; the ZIP card is finer and feeds the county average.
Where is the flood flag?
On the same card: the parcel's FEMA zone sets the SFHA flag, and the ZIP's flood share is shown beside it.
More on the insurance and NFIP card
Insurance and NFIP Stress by ZIP: FEMA Hazard, Flood Claims and the Distress Score (2026) (insurance-nfip) is computed from FEMA hazard layers, NFIP claims and climate readings by ZIP; the insurance and NFIP card is research (insurance-nfip), not legal advice; nothing on the insurance-nfip page is tax or insurance-nfip investment advice, so verify every insurance-nfip figure with its issuing agency before acting.