Garfield County, CO: Home-Insurance Distress & Forced-Sale Pressure
Garfield County, Colorado carries a low home-insurance-distress reading of 5/100 — ranked #2304 nationally, in the lower-risk band nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
In practice, Garfield County's low insurance-distress level marks it as a place to watch owner behavior: as renewals land, the households that can no longer carry the premium become the motivated sellers worth reaching early.
The gap between physical hazard (0/100) and realized flood losses (16/100) is what DLRadar watches to flag insurance-driven sellers in Garfield County.
Rebuild-cost inflation compounds it: construction-distress reads 64/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.
NFIP paid $0 across 1 Garfield County flood claims in three years, roughly $0 each; that record is what reprices coverage.
Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 16/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
The Garfield County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 5/100 reading reflects the current renewal environment rather than a historical average.
DLRadar does not treat that as a standalone number — the Garfield County insurance read is cross-referenced against the county's foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Garfield County insurance distress — FAQ
How bad is home-insurance distress in Garfield County, Colorado?
Garfield County scores 5/100 for home-insurance distress (LOW), ranking #2304 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (0/100), NFIP flood-claim stress (16/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Garfield County had?
Over the trailing three years, Garfield County recorded 1 NFIP flood claims with $0 paid out, roughly $0 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Garfield County?
When premiums in Garfield County rise faster than owners budgeted — or carriers stop writing policies altogether — the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.