Hillsborough County, FL: Home-Insurance Distress & Forced-Sale Pressure
Hillsborough County, FL: 99/100 (severe) home-insurance distress; Hillsborough, FL band HIGH; Hillsborough, FL #5 of 3,222 counties; Hillsborough, FL #5 of 67 in Florida.
FEMA hazard, Hillsborough, FL: 99/100; Hillsborough, FL declarations, three years: 12; Hillsborough, FL perils: 6 hurricane, 6 tropical-storm; Hillsborough, FL five-year count 24 (severity 33.0); Hillsborough, FL ten-year 24; hazard-weighted, Hillsborough, FL: 48.0.
Declared incidents on the Hillsborough, FL record: 2024 Tropical Storm 6; 2024 Hurricane 6 (Hillsborough, FL); 2023 Tropical Storm 1; 2023 Hurricane 1 (Hillsborough, FL).
NFIP claims, Hillsborough, FL, three years: 10,311; Hillsborough, FL payouts $1,077,109,426; per Hillsborough, FL claim $104,462; Hillsborough, FL claim-stress 99/100.
Hillsborough, FL monthly score: 99 in every month from March 2026 (Hillsborough, FL) through October 2026.
Hillsborough, FL components: climate 99, NFIP claims 99; Hillsborough, FL retreat index 99.
Construction distress, Hillsborough, FL: 62/100 as of August 2026 (Hillsborough, FL: 51/100 one-to-four unit, 74/100 multifamily).
Hillsborough, FL ZIPs, June 2026 (Hillsborough, FL, 16 highest): score 0 (Hillsborough, FL), climate 99 (Hillsborough, FL): 33503, 33510, 33511, 33527, Hillsborough, FL 33530, 33534, 33547, 33548, Hillsborough, FL 33550, 33563, 33565, 33566, Hillsborough, FL 33567, 33569, 33570, 33572.
DLRadar rescores Hillsborough, FL monthly; Hillsborough, FL readings join Hillsborough, FL foreclosure, lien and ownership parcels (Hillsborough, FL), so cost-squeezed Hillsborough, FL owners surface before listing.
Inside Florida, Hillsborough County ranks 5th of 67 counties for home-insurance distress at 99/100; Pinellas County (99/100) sits just above Hillsborough County, and Pasco County (99/100) sits just below Hillsborough County.
Deterministic. Every Hillsborough County, FL signal traces to a public Hillsborough dataset (FEMA, NFIP, Census for Hillsborough, FL) · how insurance distress works in Hillsborough, FL · methodology
FAQ: Hillsborough County, FL insurance distress
What is the Hillsborough County, FL home-insurance-distress score?
Hillsborough, FL: 99/100 (HIGH), #5 of 3,222, #5 in Florida. FEMA hazard, Hillsborough, FL: 99/100; NFIP stress, Hillsborough, FL: 99/100; construction, Hillsborough, FL: 62/100; Hillsborough, FL rescores monthly.
Is Hillsborough County insurance distress getting better or worse (FL)?
Hillsborough, FL: 99 in March 2026; Hillsborough, FL: 99 in October 2026 (unchanged); Hillsborough, FL climate component 99; Hillsborough, FL NFIP claims score 99.
How many flood-insurance claims has Hillsborough County, FL had?
Hillsborough, FL: 10,311 NFIP claims, three years; Hillsborough, FL paid $1,077,109,426; per Hillsborough, FL claim $104,462; carriers reprice Hillsborough, FL against that record.
Which Hillsborough County ZIP codes carry the most insurance distress (FL)?
Hillsborough, FL, June 2026: 33503 at 0, 33510 at 0, 33511 at 0, 33527 at 0; Hillsborough, FL climate scores there: 99, 99, 99, 99.
Why does Hillsborough, FL insurance distress create sellers?
A Hillsborough, FL premium outruns the Hillsborough, FL budget; a carrier leaves Hillsborough, FL; Hillsborough, FL carrying cost passes plan; Hillsborough, FL owners sell while current; Hillsborough, FL insurance distress leads Hillsborough, FL foreclosure data.