Franklin County, FL: Home-Insurance Distress & Forced-Sale Pressure
Franklin County, FL: 94/100 (severe) home-insurance distress; Franklin, FL band HIGH; Franklin, FL #42 of 3,222 counties; Franklin, FL #29 of 67 in Florida.
FEMA hazard, Franklin, FL: 98/100; Franklin, FL declarations, three years: 15; Franklin, FL perils: 3 hurricane, 12 tropical-storm; Franklin, FL five-year count 18 (severity 24.0); Franklin, FL ten-year 18; hazard-weighted, Franklin, FL: 51.0.
Declared incidents on the Franklin, FL record: 2026 Tropical Storm 2; 2024 Tropical Storm 6 (Franklin, FL); 2024 Hurricane 2; 2023 Tropical Storm 1 (Franklin, FL); 2023 Hurricane 1 (Franklin, FL).
NFIP claims, Franklin, FL, three years: 38; Franklin, FL payouts $1,083,944; per Franklin, FL claim $28,525; Franklin, FL claim-stress 89/100.
Franklin, FL monthly score rose, 91 (March 2026) to 94 (October 2026); Franklin, FL by month: March 91, April 91, May 90, June 90 (Franklin, FL), July 91, August 90, September 91, October 94.
Franklin, FL components: climate 98, NFIP claims 89; Franklin, FL retreat index 94.
Construction distress, Franklin, FL: 34/100 as of August 2026 (Franklin, FL: 34/100 one-to-four unit, 1/100 multifamily).
Franklin, FL ZIPs, June 2026 (Franklin, FL, 8 highest): score 0 (Franklin, FL), climate 61 (Franklin, FL): 32456; score 0 (Franklin, FL), climate 51 (Franklin, FL): 32358; score 0 (Franklin, FL), climate 48 (Franklin, FL): 32346; score 0 (Franklin, FL), climate 43 (Franklin, FL): 32320, 32322, 32323, 32328; score 0 (Franklin, FL), climate 13 (Franklin, FL): 32321.
DLRadar rescores Franklin, FL monthly; Franklin, FL readings join Franklin, FL foreclosure, lien and ownership parcels (Franklin, FL), so cost-squeezed Franklin, FL owners surface before listing.
Inside Florida, Franklin County ranks 29th of 67 counties for home-insurance distress at 94/100; Wakulla County (95/100) sits just above Franklin County, and Seminole County (94/100) sits just below Franklin County.
Deterministic. Every Franklin County, FL signal traces to a public Franklin dataset (FEMA, NFIP, Census for Franklin, FL) · how insurance distress works in Franklin, FL · methodology
FAQ: Franklin County, FL insurance distress
What is the Franklin County, FL home-insurance-distress score?
Franklin, FL: 94/100 (HIGH), #42 of 3,222, #29 in Florida. FEMA hazard, Franklin, FL: 98/100; NFIP stress, Franklin, FL: 89/100; construction, Franklin, FL: 34/100; Franklin, FL rescores monthly.
Is Franklin County insurance distress getting better or worse (FL)?
Franklin, FL: 91 in March 2026; Franklin, FL: 94 in October 2026 (worse); Franklin, FL climate component 98; Franklin, FL NFIP claims score 89.
How many flood-insurance claims has Franklin County, FL had?
Franklin, FL: 38 NFIP claims, three years; Franklin, FL paid $1,083,944; per Franklin, FL claim $28,525; carriers reprice Franklin, FL against that record.
Which Franklin County ZIP codes carry the most insurance distress (FL)?
Franklin, FL, June 2026: 32456 at 0, 32358 at 0, 32346 at 0, 32320 at 0; Franklin, FL climate scores there: 61, 51, 48, 43.
Why does Franklin, FL insurance distress create sellers?
A Franklin, FL premium outruns the Franklin, FL budget; a carrier leaves Franklin, FL; Franklin, FL carrying cost passes plan; Franklin, FL owners sell while current; Franklin, FL insurance distress leads Franklin, FL foreclosure data.