Out of 1,484 ZIP codes with data in Florida, these are the highest-ranked areas for purchase risk. See also: National Worst ZIP Codes for Homebuyers — Hidden Risk Factors | All Florida Rankings
| Statistic | Value |
|---|---|
| ZIP codes ranked | 1,484 |
| Highest value | 64/100 |
| Median value | 37/100 |
| State | Florida |
Top 100 Worst ZIP Codes
| Rank | ZIP Code | City | State | Purchase Risk | Safety Score |
|---|---|---|---|---|---|
| 1 | 32320 | Apalachicola | FL | 64/100 | 68/100 |
| 2 | 32348 | Perry | FL | 63/100 | 55/100 |
| 3 | 32114 | Daytona Beach | FL | 62/100 | 71/100 |
| 4 | 34652 | New Port Richey | FL | 62/100 | 59/100 |
| 5 | 33755 | Clearwater | FL | 61/100 | 71/100 |
| 6 | 33764 | Clearwater | FL | 61/100 | 71/100 |
| 7 | 34691 | Holiday | FL | 61/100 | 76/100 |
| 8 | 34946 | Fort Pierce | FL | 61/100 | 73/100 |
| 9 | 32347 | Perry | FL | 60/100 | 60/100 |
| 10 | 33161 | Miami | FL | 60/100 | 49/100 |
| 11 | 33901 | Fort Myers | FL | 60/100 | 74/100 |
| 12 | 32102 | Astor | FL | 59/100 | 75/100 |
| 13 | 32401 | Panama City | FL | 59/100 | 76/100 |
| 14 | 32648 | Horseshoe Beach | FL | 59/100 | 71/100 |
| 15 | 32960 | Vero Beach | FL | 59/100 | 76/100 |
| 16 | 33756 | Clearwater | FL | 59/100 | 71/100 |
| 17 | 32117 | Daytona Beach | FL | 58/100 | 76/100 |
| 18 | 32692 | Suwannee | FL | 58/100 | 59/100 |
| 19 | 34498 | Yankeetown | FL | 58/100 | 76/100 |
| 20 | 34683 | Palm Harbor | FL | 58/100 | 63/100 |
| 21 | 32119 | Daytona Beach | FL | 57/100 | 71/100 |
| 22 | 32732 | Geneva | FL | 57/100 | 55/100 |
| 23 | 32809 | Orlando | FL | 57/100 | 75/100 |
| 24 | 33144 | Miami | FL | 57/100 | 54/100 |
| 25 | 33158 | Miami | FL | 57/100 | 54/100 |
| 26 | 33480 | Palm Beach | FL | 57/100 | 71/100 |
| 27 | 33603 | Tampa | FL | 57/100 | 59/100 |
| 28 | 33605 | Tampa | FL | 57/100 | 59/100 |
| 29 | 33759 | Clearwater | FL | 57/100 | 76/100 |
| 30 | 33762 | Clearwater | FL | 57/100 | 71/100 |
| 31 | 33919 | Fort Myers | FL | 57/100 | 69/100 |
| 32 | 34141 | Ochopee | FL | 57/100 | 69/100 |
| 33 | 34981 | Fort Pierce | FL | 57/100 | 68/100 |
| 34 | 32064 | Live Oak | FL | 56/100 | 81/100 |
| 35 | 32118 | Daytona Beach | FL | 56/100 | 76/100 |
| 36 | 32189 | Satsuma | FL | 56/100 | 65/100 |
| 37 | 33126 | Miami | FL | 56/100 | 54/100 |
| 38 | 33166 | Miami | FL | 56/100 | 49/100 |
| 39 | 33174 | Miami | FL | 56/100 | 49/100 |
| 40 | 33612 | Tampa | FL | 56/100 | 54/100 |
| 41 | 33634 | Tampa | FL | 56/100 | 54/100 |
| 42 | 33905 | Fort Myers | FL | 56/100 | 69/100 |
| 43 | 33920 | Alva | FL | 56/100 | 58/100 |
| 44 | 33952 | Port Charlotte | FL | 56/100 | 53/100 |
| 45 | 34266 | Arcadia | FL | 56/100 | 71/100 |
| 46 | 34668 | Port Richey | FL | 56/100 | 61/100 |
| 47 | 34947 | Fort Pierce | FL | 56/100 | 73/100 |
| 48 | 34957 | Jensen Beach | FL | 56/100 | 67/100 |
| 49 | 32112 | Crescent City | FL | 55/100 | 60/100 |
| 50 | 32204 | Jacksonville | FL | 55/100 | 75/100 |
| 51 | 32346 | Panacea | FL | 55/100 | 78/100 |
| 52 | 32405 | Panama City | FL | 55/100 | 71/100 |
| 53 | 32427 | Caryville | FL | 55/100 | 71/100 |
| 54 | 32625 | Cedar Key | FL | 55/100 | 71/100 |
| 55 | 32804 | Orlando | FL | 55/100 | 75/100 |
| 56 | 32805 | Orlando | FL | 55/100 | 75/100 |
| 57 | 32806 | Orlando | FL | 55/100 | 75/100 |
| 58 | 33133 | Miami | FL | 55/100 | 49/100 |
| 59 | 33181 | Miami | FL | 55/100 | 54/100 |
| 60 | 33312 | Fort Lauderdale | FL | 55/100 | 49/100 |
| 61 | 33782 | Pinellas Park | FL | 55/100 | 71/100 |
| 62 | 33867 | River Ranch | FL | 55/100 | 78/100 |
| 63 | 34210 | Bradenton | FL | 55/100 | 76/100 |
| 64 | 34239 | Sarasota | FL | 55/100 | 77/100 |
| 65 | 34428 | Crystal River | FL | 55/100 | 49/100 |
| 66 | 34667 | Hudson | FL | 55/100 | 61/100 |
| 67 | 34949 | Fort Pierce | FL | 55/100 | 63/100 |
| 68 | 32132 | Edgewater | FL | 54/100 | 82/100 |
| 69 | 32202 | Jacksonville | FL | 54/100 | 80/100 |
| 70 | 32254 | Jacksonville | FL | 54/100 | 75/100 |
| 71 | 32350 | Pinetta | FL | 54/100 | 86/100 |
| 72 | 32501 | Pensacola | FL | 54/100 | 66/100 |
| 73 | 33010 | Hialeah | FL | 54/100 | 54/100 |
| 74 | 33020 | Hollywood | FL | 54/100 | 61/100 |
| 75 | 33140 | Miami Beach | FL | 54/100 | 49/100 |
| 76 | 33142 | Miami | FL | 54/100 | 54/100 |
| 77 | 33155 | Miami | FL | 54/100 | 54/100 |
| 78 | 33156 | Miami | FL | 54/100 | 49/100 |
| 79 | 33157 | Miami | FL | 54/100 | 49/100 |
| 80 | 33167 | Miami | FL | 54/100 | 54/100 |
| 81 | 33189 | Miami | FL | 54/100 | 49/100 |
| 82 | 33311 | Fort Lauderdale | FL | 54/100 | 49/100 |
| 83 | 33815 | Lakeland | FL | 54/100 | 59/100 |
| 84 | 33904 | Cape Coral | FL | 54/100 | 74/100 |
| 85 | 34205 | Bradenton | FL | 54/100 | 76/100 |
| 86 | 34269 | Arcadia | FL | 54/100 | 76/100 |
| 87 | 34429 | Crystal River | FL | 54/100 | 49/100 |
| 88 | 34448 | Homosassa | FL | 54/100 | 49/100 |
| 89 | 34653 | New Port Richey | FL | 54/100 | 64/100 |
| 90 | 34945 | Fort Pierce | FL | 54/100 | 78/100 |
| 91 | 32131 | East Palatka | FL | 53/100 | 77/100 |
| 92 | 32208 | Jacksonville | FL | 53/100 | 70/100 |
| 93 | 32310 | Tallahassee | FL | 53/100 | 48/100 |
| 94 | 32358 | Sopchoppy | FL | 53/100 | 81/100 |
| 95 | 32408 | Panama City | FL | 53/100 | 71/100 |
| 96 | 32410 | Mexico Beach | FL | 53/100 | 68/100 |
| 97 | 32428 | Chipley | FL | 53/100 | 65/100 |
Methodology
The Home Purchase Risk Score combines area indicators that may lead to added costs for homebuyers: water system violation records, lead service line indicators, county radon potential, flood zones and housing age. An indicator does not mean a home needs filtration, mitigation, insurance or upgrades; a home test or inspection decides that. These are factors that standard home inspections may not fully capture.
Data sources: EPA Safe Drinking Water Information System (SDWIS), FEMA National Flood Insurance Program, EPA radon zone maps, EIA electricity rates, and Consumer Confidence Reports. Last updated: 2026-04-13.
Frequently Asked Questions
What is the Home Purchase Risk Score?
This score (0-100) estimates the hidden environmental costs a homebuyer may face: water filtration needs, lead pipe replacement, radon mitigation, flood insurance, and infrastructure upgrades. Higher scores mean more potential unexpected expenses after purchase.
What should homebuyers do in high-risk ZIP codes?
Request a water quality test, check for lead service lines with the utility, test for radon before closing, verify FEMA flood zone designation, and factor in potential remediation costs ($5,000-$30,000+) to your budget.
Explore More Rankings
- Worst ZIP Codes for Lead in Water in Florida
- ZIP Codes with Most EPA Violations in Florida
- Lowest Home Safety Scores in Florida
- Safest ZIP Codes in Florida — Highest Safety Scores
- ZIP Codes with Highest Flood Risk in Florida
- ZIP Codes with Highest Energy Costs in Florida
- ZIP Codes with Highest Radon Risk
- ZIP Codes with PFAS Detections in Florida
- Least Reliable Water Systems in Florida
- Environmental Justice Concern Areas in Florida
- ZIP Codes with Worst CO & Gas Risk in Florida
- Safest ZIP Codes for Gas & CO Risk in Florida
- ZIP Codes with Worst Wildfire Smoke Risk
- Safest ZIP Codes for Wildfire Smoke
- All Rankings