Phillips County, CO: Home-Insurance Distress & Forced-Sale Pressure
Phillips County, CO: 0/100 (low) home-insurance distress; Phillips, CO band ZERO; Phillips, CO #2,556 of 3,222 counties; Phillips, CO #55 of 64 in Colorado; Phillips, CO coverage multiplier 0.70.
FEMA hazard, Phillips, CO: 0/100; Phillips, CO declarations, three years: none.
NFIP claims, Phillips, CO, three years: none; Phillips, CO claim-stress 0/100.
Phillips, CO monthly score: 0 in every month from March 2026 (Phillips, CO) through October 2026.
Phillips, CO components: all zero this month; Phillips, CO climate multiplier 0.70.
Construction distress, Phillips, CO: 65/100 as of August 2026 (Phillips, CO: 65/100 one-to-four unit, 0/100 multifamily).
Phillips, CO ZIPs, June 2026 (Phillips, CO, 4 highest): score 0 (Phillips, CO), climate 31 (Phillips, CO): 80731; score 0 (Phillips, CO), climate 23 (Phillips, CO): 80734; score 0 (Phillips, CO), climate 17 (Phillips, CO): 80721, 80746.
DLRadar rescores Phillips, CO monthly; Phillips, CO readings join Phillips, CO foreclosure, lien and ownership parcels (Phillips, CO), so cost-squeezed Phillips, CO owners surface before listing.
Inside Colorado, Phillips County ranks 55th of 64 counties for home-insurance distress at 0/100; Otero County (0/100) sits just above Phillips County, and Prowers County (0/100) sits just below Phillips County.
Deterministic. Every Phillips County, CO signal traces to a public Phillips dataset (FEMA, NFIP, Census for Phillips, CO) · how insurance distress works in Phillips, CO · methodology
FAQ: Phillips County, CO insurance distress
What is the Phillips County, CO home-insurance-distress score?
Phillips, CO: 0/100 (ZERO), #2,556 of 3,222, #55 in Colorado. FEMA hazard, Phillips, CO: 0/100; NFIP stress, Phillips, CO: 0/100; construction, Phillips, CO: 65/100; Phillips, CO rescores monthly.
Is Phillips County insurance distress getting better or worse (CO)?
Phillips, CO: 0 in March 2026; Phillips, CO: 0 in October 2026 (unchanged).
Which Phillips County ZIP codes carry the most insurance distress (CO)?
Phillips, CO, June 2026: 80731 at 0, 80734 at 0, 80721 at 0, 80746 at 0; Phillips, CO climate scores there: 31, 23, 17, 17.
Why does Phillips, CO insurance distress create sellers?
A Phillips, CO premium outruns the Phillips, CO budget; a carrier leaves Phillips, CO; Phillips, CO carrying cost passes plan; Phillips, CO owners sell while current; Phillips, CO insurance distress leads Phillips, CO foreclosure data.