La Plata County, CO: Home-Insurance Distress & Forced-Sale Pressure
La Plata County, CO: 28/100 (moderate) home-insurance distress; La Plata, CO band LOW; La Plata, CO #1,654 of 3,222 counties; La Plata, CO #6 of 64 in Colorado; raw La Plata, CO 33.3; La Plata, CO coverage multiplier 0.85.
FEMA hazard, La Plata, CO: 0/100; La Plata, CO declarations, three years: none.
NFIP claims, La Plata, CO, three years: 20; La Plata, CO payouts $427,001; per La Plata, CO claim $21,350; La Plata, CO claim-stress 83/100.
La Plata, CO monthly score: 28 in every month from March 2026 (La Plata, CO) through October 2026.
La Plata, CO components: NFIP claims 83; La Plata, CO retreat index 28; La Plata, CO climate multiplier 0.85.
Construction distress, La Plata, CO: 95/100 as of August 2026 (La Plata, CO: 47/100 one-to-four unit, 100/100 multifamily).
La Plata, CO ZIPs, June 2026 (La Plata, CO, 6 highest): score 0 (La Plata, CO), climate 77 (La Plata, CO): 81137, 81303, 81326; score 0 (La Plata, CO), climate 64 (La Plata, CO): 81301; score 0 (La Plata, CO), climate 59 (La Plata, CO): 81122; score 0 (La Plata, CO), climate 48 (La Plata, CO): 81328.
DLRadar rescores La Plata, CO monthly; La Plata, CO readings join La Plata, CO foreclosure, lien and ownership parcels (La Plata, CO), so cost-squeezed La Plata, CO owners surface before listing.
Inside Colorado, La Plata County ranks 11th of 64 counties for home-insurance distress at 28/100; Lake County (32/100) sits just above La Plata County, and El Paso County (22/100) sits just below La Plata County.
Deterministic. Every La Plata County, CO signal traces to a public La Plata dataset (FEMA, NFIP, Census for La Plata, CO) · how insurance distress works in La Plata, CO · methodology
FAQ: La Plata County, CO insurance distress
What is the La Plata County, CO home-insurance-distress score?
La Plata, CO: 28/100 (LOW), #1,654 of 3,222, #6 in Colorado. FEMA hazard, La Plata, CO: 0/100; NFIP stress, La Plata, CO: 83/100; construction, La Plata, CO: 95/100; La Plata, CO rescores monthly.
Is La Plata County insurance distress getting better or worse (CO)?
La Plata, CO: 28 in March 2026; La Plata, CO: 28 in October 2026 (unchanged); La Plata, CO NFIP claims score 83.
How many flood-insurance claims has La Plata County, CO had?
La Plata, CO: 20 NFIP claims, three years; La Plata, CO paid $427,001; per La Plata, CO claim $21,350; carriers reprice La Plata, CO against that record.
Which La Plata County ZIP codes carry the most insurance distress (CO)?
La Plata, CO, June 2026: 81137 at 0, 81303 at 0, 81326 at 0, 81301 at 0; La Plata, CO climate scores there: 77, 77, 77, 64.
Why does La Plata, CO insurance distress create sellers?
A La Plata, CO premium outruns the La Plata, CO budget; a carrier leaves La Plata, CO; La Plata, CO carrying cost passes plan; La Plata, CO owners sell while current; La Plata, CO insurance distress leads La Plata, CO foreclosure data.