Cleburne County, AL: Home-Insurance Distress & Forced-Sale Pressure
Cleburne County, AL: 44/100 (moderate) home-insurance distress; Cleburne, AL band MEDIUM; Cleburne, AL #1,239 of 3,222 counties; Cleburne, AL #43 of 67 in Alabama; raw Cleburne, AL 52.0; Cleburne, AL coverage multiplier 0.85.
FEMA hazard, Cleburne, AL: 87/100; Cleburne, AL declarations, three years: 3; Cleburne, AL perils: 3 hurricane; Cleburne, AL five-year count 3 (severity 4.5); Cleburne, AL ten-year 3; hazard-weighted, Cleburne, AL: 15.0.
Declared incidents on the Cleburne, AL record: 2024 Hurricane 2 (Cleburne, AL).
NFIP claims, Cleburne, AL, three years: none; Cleburne, AL claim-stress 0/100.
Cleburne, AL monthly score fell, 43 (March 2026) to 38 (October 2026); Cleburne, AL by month: March 43, April 43, May 40, June 40 (Cleburne, AL), July 39, August 40, September 45, October 38.
Cleburne, AL components: climate 74; Cleburne, AL retreat index 38; Cleburne, AL climate multiplier 0.85.
Construction distress, Cleburne, AL: 39/100 as of August 2026 (Cleburne, AL: 39/100 one-to-four unit, 0/100 multifamily).
Cleburne, AL ZIPs, June 2026 (Cleburne, AL, 7 highest): score 0 (Cleburne, AL), climate 87 (Cleburne, AL): 36207; score 0 (Cleburne, AL), climate 62 (Cleburne, AL): 36272; score 0 (Cleburne, AL), climate 23 (Cleburne, AL): 36258, 36264; score 0 (Cleburne, AL), climate 22 (Cleburne, AL): 36262, 36269, 36273.
DLRadar rescores Cleburne, AL monthly; Cleburne, AL readings join Cleburne, AL foreclosure, lien and ownership parcels (Cleburne, AL), so cost-squeezed Cleburne, AL owners surface before listing.
Inside Alabama, Cleburne County ranks 43rd of 67 counties for home-insurance distress at 44/100; Clay County (44/100) sits just above Cleburne County, and Conecuh County (44/100) sits just below Cleburne County.
Deterministic. Every Cleburne County, AL signal traces to a public Cleburne dataset (FEMA, NFIP, Census for Cleburne, AL) · how insurance distress works in Cleburne, AL · methodology
FAQ: Cleburne County, AL insurance distress
What is the Cleburne County, AL home-insurance-distress score?
Cleburne, AL: 44/100 (MEDIUM), #1,239 of 3,222, #43 in Alabama. FEMA hazard, Cleburne, AL: 87/100; NFIP stress, Cleburne, AL: 0/100; construction, Cleburne, AL: 39/100; Cleburne, AL rescores monthly.
Is Cleburne County insurance distress getting better or worse (AL)?
Cleburne, AL: 43 in March 2026; Cleburne, AL: 38 in October 2026 (better); Cleburne, AL climate component 74.
Which Cleburne County ZIP codes carry the most insurance distress (AL)?
Cleburne, AL, June 2026: 36207 at 0, 36272 at 0, 36258 at 0, 36264 at 0; Cleburne, AL climate scores there: 87, 62, 23, 23.
Why does Cleburne, AL insurance distress create sellers?
A Cleburne, AL premium outruns the Cleburne, AL budget; a carrier leaves Cleburne, AL; Cleburne, AL carrying cost passes plan; Cleburne, AL owners sell while current; Cleburne, AL insurance distress leads Cleburne, AL foreclosure data.