Butler County, AL: Home-Insurance Distress & Forced-Sale Pressure
Butler County, AL: 44/100 (moderate) home-insurance distress; Butler, AL band MEDIUM; Butler, AL #1,234 of 3,222 counties; Butler, AL #38 of 67 in Alabama; Butler, AL coverage multiplier 0.85.
FEMA hazard, Butler, AL: 87/100; Butler, AL declarations, three years: 2; Butler, AL perils: 3 hurricane; Butler, AL five-year count 3 (severity 4.5); Butler, AL ten-year 3; hazard-weighted, Butler, AL: 10.0.
Declared incidents on the Butler, AL record: 2024 Hurricane 2 (Butler, AL).
NFIP claims, Butler, AL, three years: none; Butler, AL claim-stress 0/100.
Butler, AL monthly score fell, 43 (March 2026) to 37 (October 2026); Butler, AL by month: March 43, April 43, May 40, June 40 (Butler, AL), July 39, August 40, September 45, October 37.
Butler, AL components: climate 73; Butler, AL retreat index 37; Butler, AL climate multiplier 0.85.
Construction distress, Butler, AL: 89/100 as of August 2026 (Butler, AL: 89/100 one-to-four unit, 15/100 multifamily).
Butler, AL ZIPs, June 2026 (Butler, AL, 8 highest): score 0 (Butler, AL), climate 66 (Butler, AL): 36474; score 0 (Butler, AL), climate 39 (Butler, AL): 36030, 36037; score 0 (Butler, AL), climate 38 (Butler, AL): 36033; score 0 (Butler, AL), climate 34 (Butler, AL): 36042, 36456; score 0 (Butler, AL), climate 30 (Butler, AL): 36071; score 0 (Butler, AL), climate 24 (Butler, AL): 36032.
DLRadar rescores Butler, AL monthly; Butler, AL readings join Butler, AL foreclosure, lien and ownership parcels (Butler, AL), so cost-squeezed Butler, AL owners surface before listing.
Inside Alabama, Butler County ranks 38th of 67 counties for home-insurance distress at 44/100; Bullock County (44/100) sits just above Butler County, and Chambers County (44/100) sits just below Butler County.
Deterministic. Every Butler County, AL signal traces to a public Butler dataset (FEMA, NFIP, Census for Butler, AL) · how insurance distress works in Butler, AL · methodology
FAQ: Butler County, AL insurance distress
What is the Butler County, AL home-insurance-distress score?
Butler, AL: 44/100 (MEDIUM), #1,234 of 3,222, #38 in Alabama. FEMA hazard, Butler, AL: 87/100; NFIP stress, Butler, AL: 0/100; construction, Butler, AL: 89/100; Butler, AL rescores monthly.
Is Butler County insurance distress getting better or worse (AL)?
Butler, AL: 43 in March 2026; Butler, AL: 37 in October 2026 (better); Butler, AL climate component 73.
Which Butler County ZIP codes carry the most insurance distress (AL)?
Butler, AL, June 2026: 36474 at 0, 36030 at 0, 36037 at 0, 36033 at 0; Butler, AL climate scores there: 66, 39, 39, 38.
Why does Butler, AL insurance distress create sellers?
A Butler, AL premium outruns the Butler, AL budget; a carrier leaves Butler, AL; Butler, AL carrying cost passes plan; Butler, AL owners sell while current; Butler, AL insurance distress leads Butler, AL foreclosure data.