Garfield County, CO: Home-Insurance Distress & Forced-Sale Pressure
Garfield County, Colorado carries a low home-insurance-distress reading of 5/100 — ranked #2391 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.
Garfield County's 5/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.
A 0/100 hazard base sitting alongside 16/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
Replacement economics add to the squeeze — a 18/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.
NFIP paid $0 across 1 Garfield County flood claims in three years, roughly $0 each; that record is what reprices coverage.
The reading rests on a FEMA hazard score of 0/100; NFIP flood-claim stress of 16/100 over three years - the specific exposures that widen premiums and shrink the carrier pool in Garfield County.
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.
On its own 5/100 is half a picture, so Garfield County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
DLRadar rebuilds insurance distress nationwide each month and wires Garfield County score into the parcel-level foreclosure and ownership graph. That is how coverage-pressured owners surface before they reach the open market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Garfield County insurance distress — FAQ
What is the home-insurance-distress score for Garfield County, Colorado?
DLRadar grades Garfield County at 5/100 - LOW, #2391 of 3,222 U.S. counties. It combines FEMA hazard (0/100), three-year NFIP flood-claim stress (16/100) and carrier-withdrawal pressure, refreshed monthly from federal records.
What is Garfield County three-year flood-claim total?
Across three years Garfield County logged 1 NFIP claims at about $0 each.
How does insurance cost turn into seller supply in Garfield County?
In Garfield County, a coverage bill that outruns the owner's budget - or a carrier that simply exits - can push total carrying cost past the breaking point. Those owners frequently sell ahead of any missed payment, so insurance distress works as an early, upstream read on future seller supply.