Florida Home-Insurance Distress by County

Home-insurance distress across Florida is among the most severe in the country: 67 counties average 88/100, 1st of 52 states.

57 of Florida's 67 counties score 70 or higher (severe).

Florida's reading rests on a FEMA hazard average of 98/100 and NFIP flood-claim stress of 74/100.

Over three years Florida counties filed 81,365 NFIP flood claims, $7,925,263,380 paid.

Highest in Florida: Citrus County 99/100 (#1 US), Levy County 99/100 (#2 US), Taylor County 99/100 (#3 US), Pinellas County 99/100 (#4 US), Hillsborough County 99/100 (#5 US).

Florida counties by insurance band: 56 high (Florida), 11 medium; Florida NFIP claims, three years: 81,365; Florida payouts $7.93 billion.

Florida counties with the most NFIP claims: Pinellas 26,433 ($3.38 billion); Hillsborough 10,311 ($1.08 billion); Sarasota 7,874 ($745.9 million) in Florida; Lee 7,357 ($419.9 million); Charlotte 6,260 ($400.9 million).

Florida county average rose: 83.8 in March 2026; Florida reads 88.1 in October 2026; Florida by month: March 83.8, April 83.8, May 83.5 (Florida), June 83.5, July 83.9, August 83.5 (Florida), September 83.8, October 88.1.

Highest Florida ZIPs, insurance distress: 33950 81 (climate 94), 33955 81 (climate 94) in Florida, 33983 81 (climate 94), 33982 81 (climate 94) in Florida, 33954 81 (climate 94), 33947 81 (climate 94) in Florida.

Reading the Florida bands: 56 of 67 Florida counties sit in a high or worse insurance band; Florida filed 81,365 NFIP claims in three years, $7.93 billion paid to Florida policyholders; a Florida county's band moves when FEMA hazard revisions, new Florida NFIP settlements or carrier filings change its monthly score.