Alabama County Foreclosure & Distress Reports (2026)

One report per county — 67 in Alabama — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Alabama distress hub; insurance pressure is on the Alabama home-insurance page.

67 Alabama county reports sit in this archive; Alabama opportunity phases run 19 peak_opportunity, 17 early_signal, 16 watchlist; Alabama ninety-day delinquency 1.1%; 93 banks chartered in Alabama; 28,207 HUD-assisted Alabama units.

Alabama counties to open first by opportunity rank: Randolph (#38, strong_buy); Barbour (#52, strong_buy); Butler (#63, strong_buy) in Alabama; Calhoun (#73, strong_buy); Cherokee (#97, strong_buy); Marion (#111, strong_buy).

Alabama insurance bands across counties: 32 medium in Alabama, 32 low, 3 high; Alabama NFIP claims 211 in three years.

Alabama counties in the expansion phase (30): Autauga, Baldwin, Bullock, Butler, Calhoun, Cherokee (Alabama), Choctaw, Clarke, Clay, Cleburne, Colbert, Conecuh (Alabama), Covington, Crenshaw, Elmore, Escambia, Fayette, Lamar (Alabama), Lauderdale, Lowndes, Marengo, Marion, Monroe, Montgomery (Alabama), Perry, Randolph, Sumter, Washington, Wilcox, Winston.

Alabama counties in the peak phase (30): Barbour, Bibb, Blount, Chambers, Chilton, Coffee (Alabama), Coosa, Cullman, Dale, Dallas, Dekalb, Etowah (Alabama), Franklin, Jackson, Jefferson, Lawrence, Lee, Limestone (Alabama), Macon, Madison, Marshall, Mobile, Morgan, Pike (Alabama), Russell, Shelby, St. Clair, Talladega, Tallapoosa, Walker.

Alabama counties in the contraction phase (7): Geneva, Greene, Hale, Henry, Houston, Pickens (Alabama), Tuscaloosa.

Alabama permitted 21,310 housing units in twelve months; 340,018 Alabama units sit vacant of 2,337,265.

Alabama counties highest on the national opportunity index: Randolph #38 (38.9/100, strong_buy); Barbour #52 (38.5/100, strong_buy); Butler #63 (38.1/100, strong_buy) in Alabama; Calhoun #73 (37.9/100, strong_buy); Cherokee #97 (37.2/100, strong_buy); Marion #111 (37.0/100, strong_buy) in Alabama; Escambia #151 (36.3/100, strong_buy); Dallas #203 (35.8/100, peak_opportunity); Lauderdale #208 (35.7/100, peak_opportunity) in Alabama; Fayette #279 (34.9/100, peak_opportunity); Mobile #279 (34.9/100, peak_opportunity); Monroe #279 (34.9/100, peak_opportunity) in Alabama.

How the Alabama county reports are scored: each Alabama report reads its county's foreclosure filings, Alabama tax-lien and tax-deed records, FHA mortgage delinquency in Alabama (ninety-day rate 1.1%, December 2025), the FDIC stress of Alabama lenders (93 chartered in Alabama) and FEMA/NFIP pressure on Alabama (211 NFIP claims, three years), then scores every Alabama ZIP 0-100.

Randolph County leads Alabama on the opportunity index at #38 nationally with 8 scored ZIPs. Every Alabama report is rebuilt monthly from public records; a Alabama county whose data lapses keeps its Alabama page and says so.

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