Clarke County, AL: Home-Insurance Distress & Forced-Sale Pressure
Clarke County, AL: 44/100 (moderate) home-insurance distress; Clarke, AL band MEDIUM; Clarke, AL #1,237 of 3,222 counties; Clarke, AL #41 of 67 in Alabama; raw Clarke, AL 52.0; Clarke, AL coverage multiplier 0.85.
FEMA hazard, Clarke, AL: 87/100; Clarke, AL declarations, three years: 3; Clarke, AL perils: 3 hurricane; Clarke, AL five-year count 3 (severity 4.5); Clarke, AL ten-year 3; hazard-weighted, Clarke, AL: 15.0.
Declared incidents on the Clarke, AL record: 2024 Hurricane 2 (Clarke, AL).
NFIP claims, Clarke, AL, three years: none; Clarke, AL claim-stress 0/100.
Clarke, AL monthly score fell, 43 (March 2026) to 37 (October 2026); Clarke, AL by month: March 43, April 43, May 40, June 40 (Clarke, AL), July 39, August 40, September 45, October 37.
Clarke, AL components: climate 73; Clarke, AL retreat index 37; Clarke, AL climate multiplier 0.85.
Construction distress, Clarke, AL: 21/100 as of August 2026 (Clarke, AL: 19/100 one-to-four unit, 10/100 multifamily).
Clarke, AL ZIPs, June 2026 (Clarke, AL, 10 highest): score 0 (Clarke, AL), climate 50 (Clarke, AL): 36436, 36446, 36451, 36524, Clarke, AL 36540, 36545, 36727; score 0 (Clarke, AL), climate 49 (Clarke, AL): 36482; score 0 (Clarke, AL), climate 48 (Clarke, AL): 36784; score 0 (Clarke, AL), climate 41 (Clarke, AL): 36751.
DLRadar rescores Clarke, AL monthly; Clarke, AL readings join Clarke, AL foreclosure, lien and ownership parcels (Clarke, AL), so cost-squeezed Clarke, AL owners surface before listing.
Inside Alabama, Clarke County ranks 41st of 67 counties for home-insurance distress at 44/100; Choctaw County (44/100) sits just above Clarke County, and Clay County (44/100) sits just below Clarke County.
Deterministic. Every Clarke County, AL signal traces to a public Clarke dataset (FEMA, NFIP, Census for Clarke, AL) · how insurance distress works in Clarke, AL · methodology
FAQ: Clarke County, AL insurance distress
What is the Clarke County, AL home-insurance-distress score?
Clarke, AL: 44/100 (MEDIUM), #1,237 of 3,222, #41 in Alabama. FEMA hazard, Clarke, AL: 87/100; NFIP stress, Clarke, AL: 0/100; construction, Clarke, AL: 21/100; Clarke, AL rescores monthly.
Is Clarke County insurance distress getting better or worse (AL)?
Clarke, AL: 43 in March 2026; Clarke, AL: 37 in October 2026 (better); Clarke, AL climate component 73.
Which Clarke County ZIP codes carry the most insurance distress (AL)?
Clarke, AL, June 2026: 36436 at 0, 36446 at 0, 36451 at 0, 36524 at 0; Clarke, AL climate scores there: 50, 50, 50, 50.
Why does Clarke, AL insurance distress create sellers?
A Clarke, AL premium outruns the Clarke, AL budget; a carrier leaves Clarke, AL; Clarke, AL carrying cost passes plan; Clarke, AL owners sell while current; Clarke, AL insurance distress leads Clarke, AL foreclosure data.