Polk County, FL: Home-Insurance Distress & Forced-Sale Pressure
Polk County, FL: 98/100 (severe) home-insurance distress; Polk, FL band HIGH; Polk, FL #16 of 3,222 counties; Polk, FL #16 of 67 in Florida; raw Polk, FL 97.2.
FEMA hazard, Polk, FL: 98/100; Polk, FL declarations, three years: 8; Polk, FL perils: 6 hurricane, 4 tropical-storm; Polk, FL five-year count 18 (severity 24.0); Polk, FL ten-year 18; hazard-weighted, Polk, FL: 32.0.
Declared incidents on the Polk, FL record: 2024 Tropical Storm 6; 2024 Hurricane 6 (Polk, FL); 2023 Tropical Storm 1; 2023 Hurricane 1 (Polk, FL).
NFIP claims, Polk, FL, three years: 405; Polk, FL payouts $27,933,433; per Polk, FL claim $68,971; Polk, FL claim-stress 98/100.
Polk, FL monthly score rose, 89 (March 2026) to 98 (October 2026); Polk, FL by month: March 89, April 89, May 88, June 88 (Polk, FL), July 88, August 88, September 88, October 98.
Polk, FL components: climate 98, NFIP claims 98; Polk, FL retreat index 98.
Construction distress, Polk, FL: 74/100 as of August 2026 (Polk, FL: 58/100 one-to-four unit, 100/100 multifamily).
Polk, FL ZIPs, June 2026 (Polk, FL, 16 highest): score 0 (Polk, FL), climate 99 (Polk, FL): 33547; score 0 (Polk, FL), climate 97 (Polk, FL): 33810; score 0 (Polk, FL), climate 96 (Polk, FL): 33801, 33803, 33805, 33809, Polk, FL 33811, 33812, 33813, 33815, Polk, FL 33823, 33827, 33830, 33835, Polk, FL 33837, 33838.
DLRadar rescores Polk, FL monthly; Polk, FL readings join Polk, FL foreclosure, lien and ownership parcels (Polk, FL), so cost-squeezed Polk, FL owners surface before listing.
Inside Florida, Polk County ranks 15th of 67 counties for home-insurance distress at 98/100; Volusia County (98/100) sits just above Polk County, and Suwannee County (98/100) sits just below Polk County.
Deterministic. Every Polk County, FL signal traces to a public Polk dataset (FEMA, NFIP, Census for Polk, FL) · how insurance distress works in Polk, FL · methodology
FAQ: Polk County, FL insurance distress
What is the Polk County, FL home-insurance-distress score?
Polk, FL: 98/100 (HIGH), #16 of 3,222, #16 in Florida. FEMA hazard, Polk, FL: 98/100; NFIP stress, Polk, FL: 98/100; construction, Polk, FL: 74/100; Polk, FL rescores monthly.
Is Polk County insurance distress getting better or worse (FL)?
Polk, FL: 89 in March 2026; Polk, FL: 98 in October 2026 (worse); Polk, FL climate component 98; Polk, FL NFIP claims score 98.
How many flood-insurance claims has Polk County, FL had?
Polk, FL: 405 NFIP claims, three years; Polk, FL paid $27,933,433; per Polk, FL claim $68,971; carriers reprice Polk, FL against that record.
Which Polk County ZIP codes carry the most insurance distress (FL)?
Polk, FL, June 2026: 33547 at 0, 33810 at 0, 33801 at 0, 33803 at 0; Polk, FL climate scores there: 99, 97, 96, 96.
Why does Polk, FL insurance distress create sellers?
A Polk, FL premium outruns the Polk, FL budget; a carrier leaves Polk, FL; Polk, FL carrying cost passes plan; Polk, FL owners sell while current; Polk, FL insurance distress leads Polk, FL foreclosure data.