Jefferson County, CO: Home-Insurance Distress & Forced-Sale Pressure
Jefferson County, CO: 72/100 (severe) home-insurance distress; Jefferson, CO band MEDIUM; Jefferson, CO #582 of 3,222 counties; Jefferson, CO #1 of 64 in Colorado; raw Jefferson, CO 58.0.
FEMA hazard, Jefferson, CO: 63/100; Jefferson, CO declarations, three years: 1; Jefferson, CO perils: 3 fire; Jefferson, CO five-year count 6 (severity 7.5); Jefferson, CO ten-year 6; hazard-weighted, Jefferson, CO: 2.0.
Declared incidents on the Jefferson, CO record: 2024 Fire 2; 2023 Flood 1 (Jefferson, CO).
NFIP claims, Jefferson, CO, three years: 20; Jefferson, CO payouts $523,081; per Jefferson, CO claim $26,154; Jefferson, CO claim-stress 85/100.
Jefferson, CO monthly score rose, 49 (March 2026) to 70 (October 2026); Jefferson, CO by month: March 49, April 49, May 45, June 45 (Jefferson, CO), July 42, August 41, September 48, October 70.
Jefferson, CO components: climate 60, NFIP claims 85; Jefferson, CO retreat index 70.
Construction distress, Jefferson, CO: 62/100 as of August 2026 (Jefferson, CO: 51/100 one-to-four unit, 89/100 multifamily).
Jefferson, CO ZIPs, June 2026 (Jefferson, CO, 16 highest): score 0 (Jefferson, CO), climate 96 (Jefferson, CO): 80002, 80004, 80005, 80007, Jefferson, CO 80033, 80127, 80128, 80212, Jefferson, CO 80214, 80215, 80226, 80227, Jefferson, CO 80228, 80232, 80235, 80401.
DLRadar rescores Jefferson, CO monthly; Jefferson, CO readings join Jefferson, CO foreclosure, lien and ownership parcels (Jefferson, CO), so cost-squeezed Jefferson, CO owners surface before listing.
Inside Colorado, Jefferson County ranks 1st of 64 counties for home-insurance distress at 72/100; Archuleta County (68/100) sits just below Jefferson County.
Deterministic. Every Jefferson County, CO signal traces to a public Jefferson dataset (FEMA, NFIP, Census for Jefferson, CO) · how insurance distress works in Jefferson, CO · methodology
FAQ: Jefferson County, CO insurance distress
What is the Jefferson County, CO home-insurance-distress score?
Jefferson, CO: 72/100 (MEDIUM), #582 of 3,222, #1 in Colorado. FEMA hazard, Jefferson, CO: 63/100; NFIP stress, Jefferson, CO: 85/100; construction, Jefferson, CO: 62/100; Jefferson, CO rescores monthly.
Is Jefferson County insurance distress getting better or worse (CO)?
Jefferson, CO: 49 in March 2026; Jefferson, CO: 70 in October 2026 (worse); Jefferson, CO climate component 60; Jefferson, CO NFIP claims score 85.
How many flood-insurance claims has Jefferson County, CO had?
Jefferson, CO: 20 NFIP claims, three years; Jefferson, CO paid $523,081; per Jefferson, CO claim $26,154; carriers reprice Jefferson, CO against that record.
Which Jefferson County ZIP codes carry the most insurance distress (CO)?
Jefferson, CO, June 2026: 80002 at 0, 80004 at 0, 80005 at 0, 80007 at 0; Jefferson, CO climate scores there: 96, 96, 96, 96.
Why does Jefferson, CO insurance distress create sellers?
A Jefferson, CO premium outruns the Jefferson, CO budget; a carrier leaves Jefferson, CO; Jefferson, CO carrying cost passes plan; Jefferson, CO owners sell while current; Jefferson, CO insurance distress leads Jefferson, CO foreclosure data.