Alabama Home-Insurance Distress by County

Home-insurance distress across Alabama is well above the national norm: 67 counties average 55/100, 10th of 52 states.

21 of Alabama's 67 counties score 70 or higher (severe).

Alabama's reading rests on a FEMA hazard average of 74/100 and NFIP flood-claim stress of 34/100.

Over three years Alabama counties filed 211 NFIP flood claims, $6,266,944 paid.

Highest in Alabama: Baldwin County 91/100 (#109 US), Mobile County 89/100 (#149 US), Escambia County 85/100 (#238 US), Russell County 79/100 (#373 US), Houston County 78/100 (#424 US).

Alabama counties by insurance band: 32 medium (Alabama), 32 low, 3 high; Alabama NFIP claims, three years: 211; Alabama payouts $6.3 million.

Alabama counties with the most NFIP claims: Mobile 40 ($1.0 million); Baldwin 30 ($1.7 million); Jefferson 21 ($126,960) in Alabama; Houston 15 ($441,146); Montgomery 12 ($264,911).

Alabama county average fell: 58.9 in March 2026; Alabama reads 54.7 in October 2026; Alabama by month: March 58.9, April 58.9, May 56.4 (Alabama), June 56.4, July 55.2, August 56.2 (Alabama), September 61.4, October 54.7.

Highest Alabama ZIPs, insurance distress: 33950 81 (climate 94), 33955 81 (climate 94) in Alabama, 33983 81 (climate 94), 33982 81 (climate 94) in Alabama, 33954 81 (climate 94), 33947 81 (climate 94) in Alabama.

Reading the Alabama bands: 3 of 67 Alabama counties sit in a high or worse insurance band; Alabama filed 211 NFIP claims in three years, $6.3 million paid to Alabama policyholders; a Alabama county's band moves when FEMA hazard revisions, new Alabama NFIP settlements or carrier filings change its monthly score.