Cherokee County, AL: Home-Insurance Distress & Forced-Sale Pressure
Cherokee County, AL: 80/100 (severe) home-insurance distress; Cherokee, AL band MEDIUM; Cherokee, AL #362 of 3,222 counties; Cherokee, AL #16 of 67 in Alabama; raw Cherokee, AL 71.8.
FEMA hazard, Cherokee, AL: 87/100; Cherokee, AL declarations, three years: 2; Cherokee, AL perils: 3 hurricane; Cherokee, AL five-year count 3 (severity 4.5); Cherokee, AL ten-year 3; hazard-weighted, Cherokee, AL: 10.0.
Declared incidents on the Cherokee, AL record: 2024 Hurricane 2 (Cherokee, AL).
NFIP claims, Cherokee, AL, three years: 1; Cherokee, AL payouts $61,032; per Cherokee, AL claim $61,032; Cherokee, AL claim-stress 70/100.
Cherokee, AL monthly score fell, 79 (March 2026) to 72 (October 2026); Cherokee, AL by month: March 79, April 79, May 76, June 76 (Cherokee, AL), July 75, August 76, September 81, October 72.
Cherokee, AL components: climate 73, NFIP claims 70; Cherokee, AL retreat index 72.
Construction distress, Cherokee, AL: 83/100 as of August 2026 (Cherokee, AL: 82/100 one-to-four unit, 49/100 multifamily).
Cherokee, AL ZIPs, June 2026 (Cherokee, AL, 11 highest): score 0 (Cherokee, AL), climate 85 (Cherokee, AL): 35901; score 0 (Cherokee, AL), climate 83 (Cherokee, AL): 35903; score 0 (Cherokee, AL), climate 80 (Cherokee, AL): 30165; score 0 (Cherokee, AL), climate 76 (Cherokee, AL): 35961, 35967; score 0 (Cherokee, AL), climate 71 (Cherokee, AL): 35984; score 0 (Cherokee, AL), climate 62 (Cherokee, AL): 36272; score 0 (Cherokee, AL), climate 58 (Cherokee, AL): 35959, 35960, 35973, 35983.
DLRadar rescores Cherokee, AL monthly; Cherokee, AL readings join Cherokee, AL foreclosure, lien and ownership parcels (Cherokee, AL), so cost-squeezed Cherokee, AL owners surface before listing.
Inside Alabama, Cherokee County ranks 16th of 67 counties for home-insurance distress at 80/100; Shelby County (80/100) sits just above Cherokee County, and Colbert County (80/100) sits just below Cherokee County.
Deterministic. Every Cherokee County, AL signal traces to a public Cherokee dataset (FEMA, NFIP, Census for Cherokee, AL) · how insurance distress works in Cherokee, AL · methodology
FAQ: Cherokee County, AL insurance distress
What is the Cherokee County, AL home-insurance-distress score?
Cherokee, AL: 80/100 (MEDIUM), #362 of 3,222, #16 in Alabama. FEMA hazard, Cherokee, AL: 87/100; NFIP stress, Cherokee, AL: 70/100; construction, Cherokee, AL: 83/100; Cherokee, AL rescores monthly.
Is Cherokee County insurance distress getting better or worse (AL)?
Cherokee, AL: 79 in March 2026; Cherokee, AL: 72 in October 2026 (better); Cherokee, AL climate component 73; Cherokee, AL NFIP claims score 70.
How many flood-insurance claims has Cherokee County, AL had?
Cherokee, AL: 1 NFIP claims, three years; Cherokee, AL paid $61,032; per Cherokee, AL claim $61,032; carriers reprice Cherokee, AL against that record.
Which Cherokee County ZIP codes carry the most insurance distress (AL)?
Cherokee, AL, June 2026: 35901 at 0, 35903 at 0, 30165 at 0, 35961 at 0; Cherokee, AL climate scores there: 85, 83, 80, 76.
Why does Cherokee, AL insurance distress create sellers?
A Cherokee, AL premium outruns the Cherokee, AL budget; a carrier leaves Cherokee, AL; Cherokee, AL carrying cost passes plan; Cherokee, AL owners sell while current; Cherokee, AL insurance distress leads Cherokee, AL foreclosure data.