Lafayette County, FL: Home-Insurance Distress & Forced-Sale Pressure
Lafayette County, FL: 84/100 (severe) home-insurance distress; Lafayette, FL band HIGH; Lafayette, FL #258 of 3,222 counties; Lafayette, FL #55 of 67 in Florida.
FEMA hazard, Lafayette, FL: 100/100; Lafayette, FL declarations, three years: 24; Lafayette, FL perils: 9 hurricane, 12 tropical-storm, 3 severe-storm; Lafayette, FL five-year count 27 (severity 37.5); Lafayette, FL ten-year 27; hazard-weighted, Lafayette, FL: 84.0.
Declared incidents on the Lafayette, FL record: 2026 Tropical Storm 3; 2024 Tropical Storm 9 (Lafayette, FL); 2024 Hurricane 9; 2024 Severe Storm 3 (Lafayette, FL); 2023 Tropical Storm 1; 2023 Hurricane 1 (Lafayette, FL).
NFIP claims, Lafayette, FL, three years: 1; Lafayette, FL payouts $18,052; per Lafayette, FL claim $18,052; Lafayette, FL claim-stress 59/100.
Lafayette, FL monthly score fell, 85 (March 2026) to 84 (October 2026); Lafayette, FL by month: March 85, April 85, May 85, June 85 (Lafayette, FL), July 85, August 85, September 85, October 84.
Lafayette, FL components: climate 100, NFIP claims 59; Lafayette, FL retreat index 84.
Construction distress, Lafayette, FL: 28/100 as of August 2026 (Lafayette, FL: 28/100 one-to-four unit, 0/100 multifamily).
Lafayette, FL ZIPs, June 2026 (Lafayette, FL, 3 highest): score 0 (Lafayette, FL), climate 32 (Lafayette, FL): 32008; score 0 (Lafayette, FL), climate 16 (Lafayette, FL): 32013, 32066.
DLRadar rescores Lafayette, FL monthly; Lafayette, FL readings join Lafayette, FL foreclosure, lien and ownership parcels (Lafayette, FL), so cost-squeezed Lafayette, FL owners surface before listing.
Inside Florida, Lafayette County ranks 55th of 67 counties for home-insurance distress at 84/100; Jackson County (85/100) sits just above Lafayette County, and Union County (82/100) sits just below Lafayette County.
Deterministic. Every Lafayette County, FL signal traces to a public Lafayette dataset (FEMA, NFIP, Census for Lafayette, FL) · how insurance distress works in Lafayette, FL · methodology
FAQ: Lafayette County, FL insurance distress
What is the Lafayette County, FL home-insurance-distress score?
Lafayette, FL: 84/100 (HIGH), #258 of 3,222, #55 in Florida. FEMA hazard, Lafayette, FL: 100/100; NFIP stress, Lafayette, FL: 59/100; construction, Lafayette, FL: 28/100; Lafayette, FL rescores monthly.
Is Lafayette County insurance distress getting better or worse (FL)?
Lafayette, FL: 85 in March 2026; Lafayette, FL: 84 in October 2026 (better); Lafayette, FL climate component 100; Lafayette, FL NFIP claims score 59.
How many flood-insurance claims has Lafayette County, FL had?
Lafayette, FL: 1 NFIP claims, three years; Lafayette, FL paid $18,052; per Lafayette, FL claim $18,052; carriers reprice Lafayette, FL against that record.
Which Lafayette County ZIP codes carry the most insurance distress (FL)?
Lafayette, FL, June 2026: 32008 at 0, 32013 at 0, 32066 at 0; Lafayette, FL climate scores there: 32, 16, 16.
Why does Lafayette, FL insurance distress create sellers?
A Lafayette, FL premium outruns the Lafayette, FL budget; a carrier leaves Lafayette, FL; Lafayette, FL carrying cost passes plan; Lafayette, FL owners sell while current; Lafayette, FL insurance distress leads Lafayette, FL foreclosure data.