Clay County, AL: Home-Insurance Distress & Forced-Sale Pressure
Clay County, AL: 44/100 (moderate) home-insurance distress; Clay, AL band MEDIUM; Clay, AL #1,238 of 3,222 counties; Clay, AL #42 of 67 in Alabama; raw Clay, AL 52.0; Clay, AL coverage multiplier 0.85.
FEMA hazard, Clay, AL: 87/100; Clay, AL declarations, three years: 3; Clay, AL perils: 3 hurricane; Clay, AL five-year count 3 (severity 4.5); Clay, AL ten-year 3; hazard-weighted, Clay, AL: 15.0.
Declared incidents on the Clay, AL record: 2024 Hurricane 3 (Clay, AL).
NFIP claims, Clay, AL, three years: none; Clay, AL claim-stress 0/100.
Clay, AL monthly score fell, 43 (March 2026) to 37 (October 2026); Clay, AL by month: March 43, April 43, May 40, June 40 (Clay, AL), July 39, August 40, September 45, October 37.
Clay, AL components: climate 73; Clay, AL retreat index 37; Clay, AL climate multiplier 0.85.
Construction distress, Clay, AL: 83/100 as of August 2026 (Clay, AL: 84/100 one-to-four unit, 2/100 multifamily).
Clay, AL ZIPs, June 2026 (Clay, AL, 12 highest): score 0 (Clay, AL), climate 80 (Clay, AL): 35150; score 0 (Clay, AL), climate 75 (Clay, AL): 36268; score 0 (Clay, AL), climate 68 (Clay, AL): 35160; score 0 (Clay, AL), climate 62 (Clay, AL): 36256; score 0 (Clay, AL), climate 33 (Clay, AL): 36276; score 0 (Clay, AL), climate 23 (Clay, AL): 35072, 36255, 36258, 36266; score 0 (Clay, AL), climate 22 (Clay, AL): 35082, 36251, 36267.
DLRadar rescores Clay, AL monthly; Clay, AL readings join Clay, AL foreclosure, lien and ownership parcels (Clay, AL), so cost-squeezed Clay, AL owners surface before listing.
Inside Alabama, Clay County ranks 42nd of 67 counties for home-insurance distress at 44/100; Clarke County (44/100) sits just above Clay County, and Cleburne County (44/100) sits just below Clay County.
Deterministic. Every Clay County, AL signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, AL) · how insurance distress works in Clay, AL · methodology
FAQ: Clay County, AL insurance distress
What is the Clay County, AL home-insurance-distress score?
Clay, AL: 44/100 (MEDIUM), #1,238 of 3,222, #42 in Alabama. FEMA hazard, Clay, AL: 87/100; NFIP stress, Clay, AL: 0/100; construction, Clay, AL: 83/100; Clay, AL rescores monthly.
Is Clay County insurance distress getting better or worse (AL)?
Clay, AL: 43 in March 2026; Clay, AL: 37 in October 2026 (better); Clay, AL climate component 73.
Which Clay County ZIP codes carry the most insurance distress (AL)?
Clay, AL, June 2026: 35150 at 0, 36268 at 0, 35160 at 0, 36256 at 0; Clay, AL climate scores there: 80, 75, 68, 62.
Why does Clay, AL insurance distress create sellers?
A Clay, AL premium outruns the Clay, AL budget; a carrier leaves Clay, AL; Clay, AL carrying cost passes plan; Clay, AL owners sell while current; Clay, AL insurance distress leads Clay, AL foreclosure data.