Monroe County, FL: Home-Insurance Distress & Forced-Sale Pressure
Monroe County, FL: 93/100 (severe) home-insurance distress; Monroe, FL band HIGH; Monroe, FL #61 of 3,222 counties; Monroe, FL #31 of 67 in Florida.
FEMA hazard, Monroe, FL: 99/100; Monroe, FL declarations, three years: 12; Monroe, FL perils: 9 hurricane, 6 tropical-storm; Monroe, FL five-year count 18 (severity 27.0); Monroe, FL ten-year 18; hazard-weighted, Monroe, FL: 48.0.
Declared incidents on the Monroe, FL record: 2024 Tropical Storm 9; 2024 Hurricane 9 (Monroe, FL).
NFIP claims, Monroe, FL, three years: 45; Monroe, FL payouts $650,219; per Monroe, FL claim $14,449; Monroe, FL claim-stress 84/100.
Monroe, FL monthly score rose, 87 (March 2026) to 93 (October 2026); Monroe, FL by month: March 87, April 87, May 87, June 87 (Monroe, FL), July 87, August 87, September 87, October 93.
Monroe, FL components: climate 99, NFIP claims 84; Monroe, FL retreat index 93.
Construction distress, Monroe, FL: 51/100 as of August 2026 (Monroe, FL: 67/100 one-to-four unit, 4/100 multifamily).
Monroe, FL ZIPs, June 2026 (Monroe, FL, 11 highest): score 0 (Monroe, FL), climate 97 (Monroe, FL): 34141; score 0 (Monroe, FL), climate 95 (Monroe, FL): 33034; score 0 (Monroe, FL), climate 91 (Monroe, FL): 33001, 33036, 33037, 33040, Monroe, FL 33042, 33043, 33050, 33051, Monroe, FL 33070.
DLRadar rescores Monroe, FL monthly; Monroe, FL readings join Monroe, FL foreclosure, lien and ownership parcels (Monroe, FL), so cost-squeezed Monroe, FL owners surface before listing.
Inside Florida, Monroe County ranks 34th of 67 counties for home-insurance distress at 93/100; Putnam County (94/100) sits just above Monroe County, and Okaloosa County (92/100) sits just below Monroe County.
Deterministic. Every Monroe County, FL signal traces to a public Monroe dataset (FEMA, NFIP, Census for Monroe, FL) · how insurance distress works in Monroe, FL · methodology
FAQ: Monroe County, FL insurance distress
What is the Monroe County, FL home-insurance-distress score?
Monroe, FL: 93/100 (HIGH), #61 of 3,222, #31 in Florida. FEMA hazard, Monroe, FL: 99/100; NFIP stress, Monroe, FL: 84/100; construction, Monroe, FL: 51/100; Monroe, FL rescores monthly.
Is Monroe County insurance distress getting better or worse (FL)?
Monroe, FL: 87 in March 2026; Monroe, FL: 93 in October 2026 (worse); Monroe, FL climate component 99; Monroe, FL NFIP claims score 84.
How many flood-insurance claims has Monroe County, FL had?
Monroe, FL: 45 NFIP claims, three years; Monroe, FL paid $650,219; per Monroe, FL claim $14,449; carriers reprice Monroe, FL against that record.
Which Monroe County ZIP codes carry the most insurance distress (FL)?
Monroe, FL, June 2026: 34141 at 0, 33034 at 0, 33001 at 0, 33036 at 0; Monroe, FL climate scores there: 97, 95, 91, 91.
Why does Monroe, FL insurance distress create sellers?
A Monroe, FL premium outruns the Monroe, FL budget; a carrier leaves Monroe, FL; Monroe, FL carrying cost passes plan; Monroe, FL owners sell while current; Monroe, FL insurance distress leads Monroe, FL foreclosure data.