Garfield County, CO: Home-Insurance Distress & Forced-Sale Pressure
Garfield County, CO: 5/100 (low) home-insurance distress; Garfield, CO band LOW; Garfield, CO #2,433 of 3,222 counties; Garfield, CO #22 of 64 in Colorado; raw Garfield, CO 6.1; Garfield, CO coverage multiplier 0.85.
FEMA hazard, Garfield, CO: 0/100; Garfield, CO declarations, three years: none.
NFIP claims, Garfield, CO, three years: 1; Garfield, CO payouts $0; per Garfield, CO claim $0; Garfield, CO claim-stress 15/100.
Garfield, CO monthly score fell, 6 (March 2026) to 5 (October 2026); Garfield, CO by month: March 6, April 6, May 5, June 5 (Garfield, CO), July 5, August 5, September 5, October 5.
Garfield, CO components: NFIP claims 15; Garfield, CO retreat index 5; Garfield, CO climate multiplier 0.85.
Construction distress, Garfield, CO: 18/100 as of August 2026 (Garfield, CO: 38/100 one-to-four unit, 5/100 multifamily).
Garfield, CO ZIPs, June 2026 (Garfield, CO, 8 highest): score 0 (Garfield, CO), climate 74 (Garfield, CO): 81637; score 0 (Garfield, CO), climate 70 (Garfield, CO): 81630; score 0 (Garfield, CO), climate 69 (Garfield, CO): 81635; score 0 (Garfield, CO), climate 68 (Garfield, CO): 81601, 81647, 81652; score 0 (Garfield, CO), climate 62 (Garfield, CO): 81623; score 0 (Garfield, CO), climate 50 (Garfield, CO): 81650.
DLRadar rescores Garfield, CO monthly; Garfield, CO readings join Garfield, CO foreclosure, lien and ownership parcels (Garfield, CO), so cost-squeezed Garfield, CO owners surface before listing.
Inside Colorado, Garfield County ranks 22nd of 64 counties for home-insurance distress at 5/100; Fremont County (5/100) sits just above Garfield County, and Lincoln County (5/100) sits just below Garfield County.
Deterministic. Every Garfield County, CO signal traces to a public Garfield dataset (FEMA, NFIP, Census for Garfield, CO) · how insurance distress works in Garfield, CO · methodology
FAQ: Garfield County, CO insurance distress
What is the Garfield County, CO home-insurance-distress score?
Garfield, CO: 5/100 (LOW), #2,433 of 3,222, #22 in Colorado. FEMA hazard, Garfield, CO: 0/100; NFIP stress, Garfield, CO: 15/100; construction, Garfield, CO: 18/100; Garfield, CO rescores monthly.
Is Garfield County insurance distress getting better or worse (CO)?
Garfield, CO: 6 in March 2026; Garfield, CO: 5 in October 2026 (better); Garfield, CO NFIP claims score 15.
How many flood-insurance claims has Garfield County, CO had?
Garfield, CO: 1 NFIP claims, three years; Garfield, CO paid $0; per Garfield, CO claim $0; carriers reprice Garfield, CO against that record.
Which Garfield County ZIP codes carry the most insurance distress (CO)?
Garfield, CO, June 2026: 81637 at 0, 81630 at 0, 81635 at 0, 81601 at 0; Garfield, CO climate scores there: 74, 70, 69, 68.
Why does Garfield, CO insurance distress create sellers?
A Garfield, CO premium outruns the Garfield, CO budget; a carrier leaves Garfield, CO; Garfield, CO carrying cost passes plan; Garfield, CO owners sell while current; Garfield, CO insurance distress leads Garfield, CO foreclosure data.