Baker County, FL: Home-Insurance Distress & Forced-Sale Pressure
Baker County, FL: 91/100 (severe) home-insurance distress; Baker, FL band HIGH; Baker, FL #84 of 3,222 counties; Baker, FL #37 of 67 in Florida.
FEMA hazard, Baker, FL: 100/100; Baker, FL declarations, three years: 14; Baker, FL perils: 9 hurricane, 6 tropical-storm, 2 severe-storm; Baker, FL five-year count 24 (severity 33.0); Baker, FL ten-year 24; hazard-weighted, Baker, FL: 50.0.
Declared incidents on the Baker, FL record: 2026 Tropical Storm 3; 2024 Hurricane 9 (Baker, FL); 2024 Tropical Storm 6; 2024 Severe Storm 3 (Baker, FL); 2023 Tropical Storm 1; 2023 Hurricane 1 (Baker, FL).
NFIP claims, Baker, FL, three years: 3; Baker, FL payouts $179,506; per Baker, FL claim $59,835; Baker, FL claim-stress 79/100.
Baker, FL monthly score rose, 86 (March 2026) to 91 (October 2026); Baker, FL by month: March 86, April 86, May 86, June 86 (Baker, FL), July 86, August 86, September 86, October 91.
Baker, FL components: climate 100, NFIP claims 79; Baker, FL retreat index 91.
Construction distress, Baker, FL: 41/100 as of August 2026 (Baker, FL: 41/100 one-to-four unit, 1/100 multifamily).
Baker, FL ZIPs, June 2026 (Baker, FL, 5 highest): score 0 (Baker, FL), climate 75 (Baker, FL): 32234; score 0 (Baker, FL), climate 16 (Baker, FL): 32040, 32063, 32072, 32087.
DLRadar rescores Baker, FL monthly; Baker, FL readings join Baker, FL foreclosure, lien and ownership parcels (Baker, FL), so cost-squeezed Baker, FL owners surface before listing.
Inside Florida, Baker County ranks 39th of 67 counties for home-insurance distress at 91/100; Gulf County (91/100) sits just above Baker County, and Santa Rosa County (91/100) sits just below Baker County.
Deterministic. Every Baker County, FL signal traces to a public Baker dataset (FEMA, NFIP, Census for Baker, FL) · how insurance distress works in Baker, FL · methodology
FAQ: Baker County, FL insurance distress
What is the Baker County, FL home-insurance-distress score?
Baker, FL: 91/100 (HIGH), #84 of 3,222, #37 in Florida. FEMA hazard, Baker, FL: 100/100; NFIP stress, Baker, FL: 79/100; construction, Baker, FL: 41/100; Baker, FL rescores monthly.
Is Baker County insurance distress getting better or worse (FL)?
Baker, FL: 86 in March 2026; Baker, FL: 91 in October 2026 (worse); Baker, FL climate component 100; Baker, FL NFIP claims score 79.
How many flood-insurance claims has Baker County, FL had?
Baker, FL: 3 NFIP claims, three years; Baker, FL paid $179,506; per Baker, FL claim $59,835; carriers reprice Baker, FL against that record.
Which Baker County ZIP codes carry the most insurance distress (FL)?
Baker, FL, June 2026: 32234 at 0, 32040 at 0, 32063 at 0, 32072 at 0; Baker, FL climate scores there: 75, 16, 16, 16.
Why does Baker, FL insurance distress create sellers?
A Baker, FL premium outruns the Baker, FL budget; a carrier leaves Baker, FL; Baker, FL carrying cost passes plan; Baker, FL owners sell while current; Baker, FL insurance distress leads Baker, FL foreclosure data.