Collier County, FL: Home-Insurance Distress & Forced-Sale Pressure
Collier County, FL: 99/100 (severe) home-insurance distress; Collier, FL band HIGH; Collier, FL #10 of 3,222 counties; Collier, FL #10 of 67 in Florida.
FEMA hazard, Collier, FL: 99/100; Collier, FL declarations, three years: 12; Collier, FL perils: 6 hurricane, 6 tropical-storm; Collier, FL five-year count 24 (severity 33.0); Collier, FL ten-year 24; hazard-weighted, Collier, FL: 48.0.
Declared incidents on the Collier, FL record: 2024 Tropical Storm 9; 2024 Hurricane 9 (Collier, FL); 2023 Tropical Storm 1; 2023 Hurricane 1 (Collier, FL).
NFIP claims, Collier, FL, three years: 1,865; Collier, FL payouts $129,327,444; per Collier, FL claim $69,344; Collier, FL claim-stress 98/100.
Collier, FL monthly score rose, 96 (March 2026) to 99 (October 2026); Collier, FL by month: March 96, April 96, May 96, June 96 (Collier, FL), July 96, August 96, September 96, October 99.
Collier, FL components: climate 99, NFIP claims 98; Collier, FL retreat index 99.
Construction distress, Collier, FL: 49/100 as of August 2026 (Collier, FL: 71/100 one-to-four unit, 1/100 multifamily).
Collier, FL ZIPs, June 2026 (Collier, FL, 16 highest): score 47 (Collier, FL), climate 99, price stress 25 (Collier, FL): 34134, 34135; score 0 (Collier, FL), climate 99 (Collier, FL): 34101, 34102, 34103, 34104, Collier, FL 34105, 34108, 34109, 34110, Collier, FL 34112, 34113, 34114, 34116, Collier, FL 34117, 34119.
DLRadar rescores Collier, FL monthly; Collier, FL readings join Collier, FL foreclosure, lien and ownership parcels (Collier, FL), so cost-squeezed Collier, FL owners surface before listing.
Inside Florida, Collier County ranks 10th of 67 counties for home-insurance distress at 99/100; Hernando County (99/100) sits just above Collier County, and Charlotte County (99/100) sits just below Collier County.
Deterministic. Every Collier County, FL signal traces to a public Collier dataset (FEMA, NFIP, Census for Collier, FL) · how insurance distress works in Collier, FL · methodology
FAQ: Collier County, FL insurance distress
What is the Collier County, FL home-insurance-distress score?
Collier, FL: 99/100 (HIGH), #10 of 3,222, #10 in Florida. FEMA hazard, Collier, FL: 99/100; NFIP stress, Collier, FL: 98/100; construction, Collier, FL: 49/100; Collier, FL rescores monthly.
Is Collier County insurance distress getting better or worse (FL)?
Collier, FL: 96 in March 2026; Collier, FL: 99 in October 2026 (worse); Collier, FL climate component 99; Collier, FL NFIP claims score 98.
How many flood-insurance claims has Collier County, FL had?
Collier, FL: 1,865 NFIP claims, three years; Collier, FL paid $129,327,444; per Collier, FL claim $69,344; carriers reprice Collier, FL against that record.
Which Collier County ZIP codes carry the most insurance distress (FL)?
Collier, FL, June 2026: 34134 at 47, 34135 at 47, 34101 at 0, 34102 at 0; Collier, FL climate scores there: 99, 99, 99, 99.
Why does Collier, FL insurance distress create sellers?
A Collier, FL premium outruns the Collier, FL budget; a carrier leaves Collier, FL; Collier, FL carrying cost passes plan; Collier, FL owners sell while current; Collier, FL insurance distress leads Collier, FL foreclosure data.