Garfield County, MT: Home-Insurance Distress & Forced-Sale Pressure
Garfield County, MT: 25/100 (moderate) home-insurance distress; Garfield, MT band LOW; Garfield, MT #1,933 of 3,222 counties; Garfield, MT #4 of 56 in Montana; raw Garfield, MT 29.7; Garfield, MT coverage multiplier 0.85.
FEMA hazard, Garfield, MT: 0/100; Garfield, MT declarations, three years: 1; Garfield, MT five-year count 3 (severity 3.0); Garfield, MT ten-year 3.
Declared incidents on the Garfield, MT record: 2026 Straight-Line Winds 2; 2023 Flood 2 (Garfield, MT).
NFIP claims, Garfield, MT, three years: 4; Garfield, MT payouts $105,461; per Garfield, MT claim $26,365; Garfield, MT claim-stress 74/100.
Garfield, MT monthly score rose, 6 (March 2026) to 25 (October 2026); Garfield, MT by month: March 6, April 6, May 5, June 5 (Garfield, MT), July 5, August 5, September 5, October 25.
Garfield, MT components: NFIP claims 74; Garfield, MT retreat index 25; Garfield, MT climate multiplier 0.85.
Construction distress, Garfield, MT: 3/100 as of August 2026 (Garfield, MT: 3/100 one-to-four unit, 0/100 multifamily).
Garfield, MT ZIPs, June 2026 (Garfield, MT, 9 highest): score 0 (Garfield, MT), climate 36 (Garfield, MT): 59301; score 0 (Garfield, MT), climate 7 (Garfield, MT): 59223; score 0 (Garfield, MT), climate 6 (Garfield, MT): 59214; score 0 (Garfield, MT), climate 3 (Garfield, MT): 59058, 59077, 59312, 59318, Garfield, MT 59322, 59337.
DLRadar rescores Garfield, MT monthly; Garfield, MT readings join Garfield, MT foreclosure, lien and ownership parcels (Garfield, MT), so cost-squeezed Garfield, MT owners surface before listing.
Inside Montana, Garfield County ranks 4th of 56 counties for home-insurance distress at 25/100; Lewis And Clark County (30/100) sits just above Garfield County, and Beaverhead County (21/100) sits just below Garfield County.
Deterministic. Every Garfield County, MT signal traces to a public Garfield dataset (FEMA, NFIP, Census for Garfield, MT) · how insurance distress works in Garfield, MT · methodology
FAQ: Garfield County, MT insurance distress
What is the Garfield County, MT home-insurance-distress score?
Garfield, MT: 25/100 (LOW), #1,933 of 3,222, #4 in Montana. FEMA hazard, Garfield, MT: 0/100; NFIP stress, Garfield, MT: 74/100; construction, Garfield, MT: 3/100; Garfield, MT rescores monthly.
Is Garfield County insurance distress getting better or worse (MT)?
Garfield, MT: 6 in March 2026; Garfield, MT: 25 in October 2026 (worse); Garfield, MT NFIP claims score 74.
How many flood-insurance claims has Garfield County, MT had?
Garfield, MT: 4 NFIP claims, three years; Garfield, MT paid $105,461; per Garfield, MT claim $26,365; carriers reprice Garfield, MT against that record.
Which Garfield County ZIP codes carry the most insurance distress (MT)?
Garfield, MT, June 2026: 59301 at 0, 59223 at 0, 59214 at 0, 59058 at 0; Garfield, MT climate scores there: 36, 7, 6, 3.
Why does Garfield, MT insurance distress create sellers?
A Garfield, MT premium outruns the Garfield, MT budget; a carrier leaves Garfield, MT; Garfield, MT carrying cost passes plan; Garfield, MT owners sell while current; Garfield, MT insurance distress leads Garfield, MT foreclosure data.