Baldwin County, AL: Home-Insurance Distress & Forced-Sale Pressure
Baldwin County, AL: 94/100 (severe) home-insurance distress; Baldwin, AL band HIGH; Baldwin, AL #45 of 3,222 counties; Baldwin, AL #1 of 67 in Alabama; raw Baldwin, AL 91.2.
FEMA hazard, Baldwin, AL: 96/100; Baldwin, AL declarations, three years: 4; Baldwin, AL perils: 6 hurricane; Baldwin, AL five-year count 3 (severity 4.5); Baldwin, AL ten-year 3; hazard-weighted, Baldwin, AL: 20.0.
Declared incidents on the Baldwin, AL record: 2026 Hurricane 2; 2024 Hurricane 2 (Baldwin, AL).
NFIP claims, Baldwin, AL, three years: 30; Baldwin, AL payouts $1,692,381; per Baldwin, AL claim $56,413; Baldwin, AL claim-stress 92/100.
Baldwin, AL monthly score rose, 87 (March 2026) to 92 (October 2026); Baldwin, AL by month: March 87, April 87, May 84, June 84 (Baldwin, AL), July 83, August 84, September 89, October 92.
Baldwin, AL components: climate 92, NFIP claims 92; Baldwin, AL retreat index 92.
Construction distress, Baldwin, AL: 51/100 as of August 2026 (Baldwin, AL: 44/100 one-to-four unit, 100/100 multifamily).
Baldwin, AL ZIPs, June 2026 (Baldwin, AL, 16 highest): score 0 (Baldwin, AL), climate 97 (Baldwin, AL): 36507, 36511, 36526, 36527, Baldwin, AL 36530, 36532, 36535, 36542, Baldwin, AL 36547, 36549, 36550, 36551, Baldwin, AL 36555, 36559, 36561, 36564.
DLRadar rescores Baldwin, AL monthly; Baldwin, AL readings join Baldwin, AL foreclosure, lien and ownership parcels (Baldwin, AL), so cost-squeezed Baldwin, AL owners surface before listing.
Inside Alabama, Baldwin County ranks 1st of 67 counties for home-insurance distress at 94/100; Mobile County (92/100) sits just below Baldwin County.
Deterministic. Every Baldwin County, AL signal traces to a public Baldwin dataset (FEMA, NFIP, Census for Baldwin, AL) · how insurance distress works in Baldwin, AL · methodology
FAQ: Baldwin County, AL insurance distress
What is the Baldwin County, AL home-insurance-distress score?
Baldwin, AL: 94/100 (HIGH), #45 of 3,222, #1 in Alabama. FEMA hazard, Baldwin, AL: 96/100; NFIP stress, Baldwin, AL: 92/100; construction, Baldwin, AL: 51/100; Baldwin, AL rescores monthly.
Is Baldwin County insurance distress getting better or worse (AL)?
Baldwin, AL: 87 in March 2026; Baldwin, AL: 92 in October 2026 (worse); Baldwin, AL climate component 92; Baldwin, AL NFIP claims score 92.
How many flood-insurance claims has Baldwin County, AL had?
Baldwin, AL: 30 NFIP claims, three years; Baldwin, AL paid $1,692,381; per Baldwin, AL claim $56,413; carriers reprice Baldwin, AL against that record.
Which Baldwin County ZIP codes carry the most insurance distress (AL)?
Baldwin, AL, June 2026: 36507 at 0, 36511 at 0, 36526 at 0, 36527 at 0; Baldwin, AL climate scores there: 97, 97, 97, 97.
Why does Baldwin, AL insurance distress create sellers?
A Baldwin, AL premium outruns the Baldwin, AL budget; a carrier leaves Baldwin, AL; Baldwin, AL carrying cost passes plan; Baldwin, AL owners sell while current; Baldwin, AL insurance distress leads Baldwin, AL foreclosure data.