Escambia County, FL: Home-Insurance Distress & Forced-Sale Pressure
Escambia County, FL: 86/100 (severe) home-insurance distress; Escambia, FL band HIGH; Escambia, FL #181 of 3,222 counties; Escambia, FL #51 of 67 in Florida.
FEMA hazard, Escambia, FL: 98/100; Escambia, FL declarations, three years: 10; Escambia, FL perils: 3 hurricane, 8 tropical-storm; Escambia, FL five-year count 12 (severity 18.0); Escambia, FL ten-year 12; hazard-weighted, Escambia, FL: 34.0.
Declared incidents on the Escambia, FL record: 2026 Tropical Storm 3; 2024 Tropical Storm 9 (Escambia, FL); 2024 Hurricane 3 (Escambia, FL).
NFIP claims, Escambia, FL, three years: 21; Escambia, FL payouts $28,276; per Escambia, FL claim $1,346; Escambia, FL claim-stress 68/100.
Escambia, FL monthly score held, 86 (March 2026) to 86 (October 2026); Escambia, FL by month: March 86, April 86, May 85, June 85 (Escambia, FL), July 86, August 85, September 86, October 86.
Escambia, FL components: climate 98, NFIP claims 68; Escambia, FL retreat index 86.
Construction distress, Escambia, FL: 30/100 as of August 2026 (Escambia, FL: 32/100 one-to-four unit, 0/100 multifamily).
Escambia, FL ZIPs, June 2026 (Escambia, FL, 16 highest): score 0 (Escambia, FL), climate 95 (Escambia, FL): 32501, 32502, 32503, 32504, Escambia, FL 32505, 32506, 32507, 32508, Escambia, FL 32509, 32511, 32512, 32514, Escambia, FL 32526, 32533, 32534, 32535.
DLRadar rescores Escambia, FL monthly; Escambia, FL readings join Escambia, FL foreclosure, lien and ownership parcels (Escambia, FL), so cost-squeezed Escambia, FL owners surface before listing.
Inside Florida, Escambia County ranks 52nd of 67 counties for home-insurance distress at 86/100; Marion County (87/100) sits just above Escambia County, and Alachua County (86/100) sits just below Escambia County.
Deterministic. Every Escambia County, FL signal traces to a public Escambia dataset (FEMA, NFIP, Census for Escambia, FL) · how insurance distress works in Escambia, FL · methodology
FAQ: Escambia County, FL insurance distress
What is the Escambia County, FL home-insurance-distress score?
Escambia, FL: 86/100 (HIGH), #181 of 3,222, #51 in Florida. FEMA hazard, Escambia, FL: 98/100; NFIP stress, Escambia, FL: 68/100; construction, Escambia, FL: 30/100; Escambia, FL rescores monthly.
Is Escambia County insurance distress getting better or worse (FL)?
Escambia, FL: 86 in March 2026; Escambia, FL: 86 in October 2026 (unchanged); Escambia, FL climate component 98; Escambia, FL NFIP claims score 68.
How many flood-insurance claims has Escambia County, FL had?
Escambia, FL: 21 NFIP claims, three years; Escambia, FL paid $28,276; per Escambia, FL claim $1,346; carriers reprice Escambia, FL against that record.
Which Escambia County ZIP codes carry the most insurance distress (FL)?
Escambia, FL, June 2026: 32501 at 0, 32502 at 0, 32503 at 0, 32504 at 0; Escambia, FL climate scores there: 95, 95, 95, 95.
Why does Escambia, FL insurance distress create sellers?
A Escambia, FL premium outruns the Escambia, FL budget; a carrier leaves Escambia, FL; Escambia, FL carrying cost passes plan; Escambia, FL owners sell while current; Escambia, FL insurance distress leads Escambia, FL foreclosure data.