Miami Dade County, FL: Home-Insurance Distress & Forced-Sale Pressure
Miami Dade County, FL: 96/100 (severe) home-insurance distress; Miami Dade, FL band HIGH; Miami Dade, FL #21 of 3,222 counties; Miami Dade, FL #19 of 67 in Florida.
FEMA hazard, Miami Dade, FL: 96/100; Miami Dade, FL declarations, three years: 6; Miami Dade, FL perils: 6 hurricane; Miami Dade, FL five-year count 6 (severity 9.0); Miami Dade, FL ten-year 6; hazard-weighted, Miami Dade, FL: 30.0.
Declared incidents on the Miami Dade, FL record: 2024 Hurricane 6 (Miami Dade, FL).
NFIP claims, Miami Dade, FL, three years: 982; Miami Dade, FL payouts $55,814,039; per Miami Dade, FL claim $56,837; Miami Dade, FL claim-stress 97/100.
Miami Dade, FL monthly score rose, 92 (March 2026) to 96 (October 2026); Miami Dade, FL by month: March 92, April 92, May 91, June 91 (Miami Dade, FL), July 93, August 91, September 93, October 96.
Miami Dade, FL components: climate 95, NFIP claims 97; Miami Dade, FL retreat index 96.
Construction distress, Miami Dade, FL: 67/100 as of August 2026 (Miami Dade, FL: 46/100 one-to-four unit, 71/100 multifamily).
Miami Dade, FL ZIPs, June 2026 (Miami Dade, FL, 16 highest): score 0 (Miami Dade, FL), climate 100 (Miami Dade, FL): 33010, 33012, 33013, 33014, Miami Dade, FL 33015, 33016, 33018, 33030, Miami Dade, FL 33031, 33032, 33033, 33035, Miami Dade, FL 33039, 33054, 33055, 33056.
DLRadar rescores Miami Dade, FL monthly; Miami Dade, FL readings join Miami Dade, FL foreclosure, lien and ownership parcels (Miami Dade, FL), so cost-squeezed Miami Dade, FL owners surface before listing.
Inside Florida, Miami Dade County ranks 19th of 67 counties for home-insurance distress at 96/100; Orange County (96/100) sits just above Miami Dade County, and Desoto County (96/100) sits just below Miami Dade County.
Deterministic. Every Miami Dade County, FL signal traces to a public Miami Dade dataset (FEMA, NFIP, Census for Miami Dade, FL) · how insurance distress works in Miami Dade, FL · methodology
FAQ: Miami Dade County, FL insurance distress
What is the Miami Dade County, FL home-insurance-distress score?
Miami Dade, FL: 96/100 (HIGH), #21 of 3,222, #19 in Florida. FEMA hazard, Miami Dade, FL: 96/100; NFIP stress, Miami Dade, FL: 97/100; construction, Miami Dade, FL: 67/100; Miami Dade, FL rescores monthly.
Is Miami Dade County insurance distress getting better or worse (FL)?
Miami Dade, FL: 92 in March 2026; Miami Dade, FL: 96 in October 2026 (worse); Miami Dade, FL climate component 95; Miami Dade, FL NFIP claims score 97.
How many flood-insurance claims has Miami Dade County, FL had?
Miami Dade, FL: 982 NFIP claims, three years; Miami Dade, FL paid $55,814,039; per Miami Dade, FL claim $56,837; carriers reprice Miami Dade, FL against that record.
Which Miami Dade County ZIP codes carry the most insurance distress (FL)?
Miami Dade, FL, June 2026: 33010 at 0, 33012 at 0, 33013 at 0, 33014 at 0; Miami Dade, FL climate scores there: 100, 100, 100, 100.
Why does Miami Dade, FL insurance distress create sellers?
A Miami Dade, FL premium outruns the Miami Dade, FL budget; a carrier leaves Miami Dade, FL; Miami Dade, FL carrying cost passes plan; Miami Dade, FL owners sell while current; Miami Dade, FL insurance distress leads Miami Dade, FL foreclosure data.