Douglas County, CO: Home-Insurance Distress & Forced-Sale Pressure
Douglas County, CO: 5/100 (low) home-insurance distress; Douglas, CO band LOW; Douglas, CO #2,431 of 3,222 counties; Douglas, CO #20 of 64 in Colorado; raw Douglas, CO 6.1; Douglas, CO coverage multiplier 0.85.
FEMA hazard, Douglas, CO: 0/100; Douglas, CO declarations, three years: none; Douglas, CO five-year count 3 (severity 3.0); Douglas, CO ten-year 3.
Declared incidents on the Douglas, CO record: 2023 Flood 1 (Douglas, CO).
NFIP claims, Douglas, CO, three years: 1; Douglas, CO payouts $0; per Douglas, CO claim $0; Douglas, CO claim-stress 15/100.
Douglas, CO monthly score fell, 6 (March 2026) to 5 (October 2026); Douglas, CO by month: March 6, April 6, May 5, June 5 (Douglas, CO), July 5, August 5, September 5, October 5.
Douglas, CO components: NFIP claims 15; Douglas, CO retreat index 5; Douglas, CO climate multiplier 0.85.
Construction distress, Douglas, CO: 85/100 as of August 2026 (Douglas, CO: 65/100 one-to-four unit, 100/100 multifamily).
Douglas, CO ZIPs, June 2026 (Douglas, CO, 16 highest): score 0 (Douglas, CO), climate 94 (Douglas, CO): 80016, 80120; score 0 (Douglas, CO), climate 93 (Douglas, CO): 80112; score 0 (Douglas, CO), climate 91 (Douglas, CO): 80135; score 0 (Douglas, CO), climate 90 (Douglas, CO): 80104, 80108, 80109, 80116, Douglas, CO 80118, 80124, 80125, 80126, Douglas, CO 80129, 80130, 80131, 80134.
DLRadar rescores Douglas, CO monthly; Douglas, CO readings join Douglas, CO foreclosure, lien and ownership parcels (Douglas, CO), so cost-squeezed Douglas, CO owners surface before listing.
Inside Colorado, Douglas County ranks 20th of 64 counties for home-insurance distress at 5/100; Clear Creek County (5/100) sits just above Douglas County, and Fremont County (5/100) sits just below Douglas County.
Deterministic. Every Douglas County, CO signal traces to a public Douglas dataset (FEMA, NFIP, Census for Douglas, CO) · how insurance distress works in Douglas, CO · methodology
FAQ: Douglas County, CO insurance distress
What is the Douglas County, CO home-insurance-distress score?
Douglas, CO: 5/100 (LOW), #2,431 of 3,222, #20 in Colorado. FEMA hazard, Douglas, CO: 0/100; NFIP stress, Douglas, CO: 15/100; construction, Douglas, CO: 85/100; Douglas, CO rescores monthly.
Is Douglas County insurance distress getting better or worse (CO)?
Douglas, CO: 6 in March 2026; Douglas, CO: 5 in October 2026 (better); Douglas, CO NFIP claims score 15.
How many flood-insurance claims has Douglas County, CO had?
Douglas, CO: 1 NFIP claims, three years; Douglas, CO paid $0; per Douglas, CO claim $0; carriers reprice Douglas, CO against that record.
Which Douglas County ZIP codes carry the most insurance distress (CO)?
Douglas, CO, June 2026: 80016 at 0, 80120 at 0, 80112 at 0, 80135 at 0; Douglas, CO climate scores there: 94, 94, 93, 91.
Why does Douglas, CO insurance distress create sellers?
A Douglas, CO premium outruns the Douglas, CO budget; a carrier leaves Douglas, CO; Douglas, CO carrying cost passes plan; Douglas, CO owners sell while current; Douglas, CO insurance distress leads Douglas, CO foreclosure data.