Lincoln County, CO: Home-Insurance Distress & Forced-Sale Pressure
Lincoln County, CO: 5/100 (low) home-insurance distress; Lincoln, CO band LOW; Lincoln, CO #2,434 of 3,222 counties; Lincoln, CO #23 of 64 in Colorado; raw Lincoln, CO 6.1; Lincoln, CO coverage multiplier 0.85.
FEMA hazard, Lincoln, CO: 0/100; Lincoln, CO declarations, three years: none; Lincoln, CO five-year count 3 (severity 3.0); Lincoln, CO ten-year 3.
Declared incidents on the Lincoln, CO record: 2023 Flood 1 (Lincoln, CO).
NFIP claims, Lincoln, CO, three years: 1; Lincoln, CO payouts $0; per Lincoln, CO claim $0; Lincoln, CO claim-stress 15/100.
Lincoln, CO monthly score rose, 0 (March 2026) to 5 (October 2026); Lincoln, CO by month: March 0, April 0, May 0, June 0 (Lincoln, CO), July 0, August 0, September 0, October 5.
Lincoln, CO components: NFIP claims 15; Lincoln, CO retreat index 5; Lincoln, CO climate multiplier 0.85.
Construction distress, Lincoln, CO: 29/100 as of August 2026 (Lincoln, CO: 32/100 one-to-four unit, 4/100 multifamily).
Lincoln, CO ZIPs, June 2026 (Lincoln, CO, 11 highest): score 0 (Lincoln, CO), climate 51 (Lincoln, CO): 80832; score 0 (Lincoln, CO), climate 27 (Lincoln, CO): 80833; score 0 (Lincoln, CO), climate 26 (Lincoln, CO): 80828; score 0 (Lincoln, CO), climate 10 (Lincoln, CO): 80818; score 0 (Lincoln, CO), climate 9 (Lincoln, CO): 80804, 80821, 80823, 80826; score 0 (Lincoln, CO), climate 6 (Lincoln, CO): 81021, 81063; score 0 (Lincoln, CO), climate 5 (Lincoln, CO): 81045.
DLRadar rescores Lincoln, CO monthly; Lincoln, CO readings join Lincoln, CO foreclosure, lien and ownership parcels (Lincoln, CO), so cost-squeezed Lincoln, CO owners surface before listing.
Inside Colorado, Lincoln County ranks 23rd of 64 counties for home-insurance distress at 5/100; Garfield County (5/100) sits just above Lincoln County, and Morgan County (5/100) sits just below Lincoln County.
Deterministic. Every Lincoln County, CO signal traces to a public Lincoln dataset (FEMA, NFIP, Census for Lincoln, CO) · how insurance distress works in Lincoln, CO · methodology
FAQ: Lincoln County, CO insurance distress
What is the Lincoln County, CO home-insurance-distress score?
Lincoln, CO: 5/100 (LOW), #2,434 of 3,222, #23 in Colorado. FEMA hazard, Lincoln, CO: 0/100; NFIP stress, Lincoln, CO: 15/100; construction, Lincoln, CO: 29/100; Lincoln, CO rescores monthly.
Is Lincoln County insurance distress getting better or worse (CO)?
Lincoln, CO: 0 in March 2026; Lincoln, CO: 5 in October 2026 (worse); Lincoln, CO NFIP claims score 15.
How many flood-insurance claims has Lincoln County, CO had?
Lincoln, CO: 1 NFIP claims, three years; Lincoln, CO paid $0; per Lincoln, CO claim $0; carriers reprice Lincoln, CO against that record.
Which Lincoln County ZIP codes carry the most insurance distress (CO)?
Lincoln, CO, June 2026: 80832 at 0, 80833 at 0, 80828 at 0, 80818 at 0; Lincoln, CO climate scores there: 51, 27, 26, 10.
Why does Lincoln, CO insurance distress create sellers?
A Lincoln, CO premium outruns the Lincoln, CO budget; a carrier leaves Lincoln, CO; Lincoln, CO carrying cost passes plan; Lincoln, CO owners sell while current; Lincoln, CO insurance distress leads Lincoln, CO foreclosure data.