Glades County, FL: Home-Insurance Distress & Forced-Sale Pressure

DLRadar grades Glades County, Florida at 66/100 for home-insurance distress, an elevated level that places it #711 of 3,222 counties, in the upper half of U.S. counties. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.

What lifts Glades County's reading is a FEMA hazard score of 98/100; NFIP flood-claim stress of 16/100 over three years; 2 hurricane federal disaster declarations in three years; these are exactly the risks that widen premiums and thin the carrier pool.

Underwriters read this county through hurricane first -- it is the recurring driver in the declaration history.

Insurance distress rarely travels by itself, so DLRadar aligns Glades County's 66/100 with foreclosure, lien and ownership records — separating owners squeezed only by coverage from those under broader strain.

The gap between physical hazard (98/100) and realized flood losses (16/100) is what DLRadar watches to flag insurance-driven sellers in Glades County.

Construction distress sits at 19/100, so the replacement cost insurers underwrite against is elevated here.

In practice, Glades County's elevated insurance-distress level (66/100, #711 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.

NFIP paid $0 across 1 Glades County flood claims in three years, roughly $0 each; that record is what reprices coverage.

DLRadar re-scores Glades County every month against the latest FEMA, NFIP and carrier data, so 66/100 tracks the live market — not a snapshot frozen at some earlier point.

Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.