Highlands County, FL: Home-Insurance Distress & Forced-Sale Pressure
Highlands County, FL: 66/100 (elevated) home-insurance distress; Highlands, FL band MEDIUM; Highlands, FL #726 of 3,222 counties; Highlands, FL #60 of 67 in Florida.
FEMA hazard, Highlands, FL: 98/100; Highlands, FL declarations, three years: 12; Highlands, FL perils: 6 hurricane, 6 tropical-storm; Highlands, FL five-year count 12 (severity 18.0); Highlands, FL ten-year 12; hazard-weighted, Highlands, FL: 48.0.
Declared incidents on the Highlands, FL record: 2024 Tropical Storm 6; 2024 Hurricane 6 (Highlands, FL).
NFIP claims, Highlands, FL, three years: 2; Highlands, FL payouts $0; per Highlands, FL claim $0; Highlands, FL claim-stress 19/100.
Highlands, FL monthly score fell, 67 (March 2026) to 66 (October 2026); Highlands, FL by month: March 67, April 67, May 67, June 67 (Highlands, FL), July 67, August 67, September 67, October 66.
Highlands, FL components: climate 98, NFIP claims 19; Highlands, FL retreat index 66.
Construction distress, Highlands, FL: 71/100 as of August 2026 (Highlands, FL: 63/100 one-to-four unit, 100/100 multifamily).
Highlands, FL ZIPs, June 2026 (Highlands, FL, 9 highest): score 0 (Highlands, FL), climate 90 (Highlands, FL): 33825; score 0 (Highlands, FL), climate 86 (Highlands, FL): 33852, 33857, 33870, 33872, Highlands, FL 33875, 33876; score 0 (Highlands, FL), climate 73 (Highlands, FL): 33960; score 0 (Highlands, FL), climate 60 (Highlands, FL): 34974.
DLRadar rescores Highlands, FL monthly; Highlands, FL readings join Highlands, FL foreclosure, lien and ownership parcels (Highlands, FL), so cost-squeezed Highlands, FL owners surface before listing.
Inside Florida, Highlands County ranks 60th of 67 counties for home-insurance distress at 66/100; Okeechobee County (68/100) sits just above Highlands County, and Hamilton County (66/100) sits just below Highlands County.
Deterministic. Every Highlands County, FL signal traces to a public Highlands dataset (FEMA, NFIP, Census for Highlands, FL) · how insurance distress works in Highlands, FL · methodology
FAQ: Highlands County, FL insurance distress
What is the Highlands County, FL home-insurance-distress score?
Highlands, FL: 66/100 (MEDIUM), #726 of 3,222, #60 in Florida. FEMA hazard, Highlands, FL: 98/100; NFIP stress, Highlands, FL: 19/100; construction, Highlands, FL: 71/100; Highlands, FL rescores monthly.
Is Highlands County insurance distress getting better or worse (FL)?
Highlands, FL: 67 in March 2026; Highlands, FL: 66 in October 2026 (better); Highlands, FL climate component 98; Highlands, FL NFIP claims score 19.
How many flood-insurance claims has Highlands County, FL had?
Highlands, FL: 2 NFIP claims, three years; Highlands, FL paid $0; per Highlands, FL claim $0; carriers reprice Highlands, FL against that record.
Which Highlands County ZIP codes carry the most insurance distress (FL)?
Highlands, FL, June 2026: 33825 at 0, 33852 at 0, 33857 at 0, 33870 at 0; Highlands, FL climate scores there: 90, 86, 86, 86.
Why does Highlands, FL insurance distress create sellers?
A Highlands, FL premium outruns the Highlands, FL budget; a carrier leaves Highlands, FL; Highlands, FL carrying cost passes plan; Highlands, FL owners sell while current; Highlands, FL insurance distress leads Highlands, FL foreclosure data.