Coffee County, AL: Home-Insurance Distress & Forced-Sale Pressure
Coffee County, AL: 78/100 (severe) home-insurance distress; Coffee, AL band MEDIUM; Coffee, AL #428 of 3,222 counties; Coffee, AL #22 of 67 in Alabama; raw Coffee, AL 69.8.
FEMA hazard, Coffee, AL: 87/100; Coffee, AL declarations, three years: 2; Coffee, AL perils: 3 hurricane; Coffee, AL five-year count 3 (severity 4.5); Coffee, AL ten-year 3; hazard-weighted, Coffee, AL: 10.0.
Declared incidents on the Coffee, AL record: 2024 Hurricane 2 (Coffee, AL).
NFIP claims, Coffee, AL, three years: 3; Coffee, AL payouts $30,206; per Coffee, AL claim $10,069; Coffee, AL claim-stress 64/100.
Coffee, AL monthly score fell, 75 (March 2026) to 70 (October 2026); Coffee, AL by month: March 75, April 75, May 72, June 72 (Coffee, AL), July 70, August 71, September 77, October 70.
Coffee, AL components: climate 73, NFIP claims 64; Coffee, AL retreat index 70.
Construction distress, Coffee, AL: 43/100 as of August 2026 (Coffee, AL: 39/100 one-to-four unit, 100/100 multifamily).
Coffee, AL ZIPs, June 2026 (Coffee, AL, 16 highest): score 0 (Coffee, AL), climate 82 (Coffee, AL): 36323, 36346, 36351; score 0 (Coffee, AL), climate 81 (Coffee, AL): 36330; score 0 (Coffee, AL), climate 79 (Coffee, AL): 36467; score 0 (Coffee, AL), climate 68 (Coffee, AL): 36453; score 0 (Coffee, AL), climate 63 (Coffee, AL): 36360; score 0 (Coffee, AL), climate 62 (Coffee, AL): 36322; score 0 (Coffee, AL), climate 59 (Coffee, AL): 36316, 36318; score 0 (Coffee, AL), climate 56 (Coffee, AL): 36311; score 0 (Coffee, AL), climate 52 (Coffee, AL): 36034; score 0 (Coffee, AL), climate 51 (Coffee, AL): 36477; score 0 (Coffee, AL), climate 48 (Coffee, AL): 36010; score 0 (Coffee, AL), climate 44 (Coffee, AL): 36079; score 0 (Coffee, AL), climate 29 (Coffee, AL): 36009.
DLRadar rescores Coffee, AL monthly; Coffee, AL readings join Coffee, AL foreclosure, lien and ownership parcels (Coffee, AL), so cost-squeezed Coffee, AL owners surface before listing.
Inside Alabama, Coffee County ranks 22nd of 67 counties for home-insurance distress at 78/100; Chilton County (78/100) sits just above Coffee County, and Marshall County (77/100) sits just below Coffee County.
Deterministic. Every Coffee County, AL signal traces to a public Coffee dataset (FEMA, NFIP, Census for Coffee, AL) · how insurance distress works in Coffee, AL · methodology
FAQ: Coffee County, AL insurance distress
What is the Coffee County, AL home-insurance-distress score?
Coffee, AL: 78/100 (MEDIUM), #428 of 3,222, #22 in Alabama. FEMA hazard, Coffee, AL: 87/100; NFIP stress, Coffee, AL: 64/100; construction, Coffee, AL: 43/100; Coffee, AL rescores monthly.
Is Coffee County insurance distress getting better or worse (AL)?
Coffee, AL: 75 in March 2026; Coffee, AL: 70 in October 2026 (better); Coffee, AL climate component 73; Coffee, AL NFIP claims score 64.
How many flood-insurance claims has Coffee County, AL had?
Coffee, AL: 3 NFIP claims, three years; Coffee, AL paid $30,206; per Coffee, AL claim $10,069; carriers reprice Coffee, AL against that record.
Which Coffee County ZIP codes carry the most insurance distress (AL)?
Coffee, AL, June 2026: 36323 at 0, 36346 at 0, 36351 at 0, 36330 at 0; Coffee, AL climate scores there: 82, 82, 82, 81.
Why does Coffee, AL insurance distress create sellers?
A Coffee, AL premium outruns the Coffee, AL budget; a carrier leaves Coffee, AL; Coffee, AL carrying cost passes plan; Coffee, AL owners sell while current; Coffee, AL insurance distress leads Coffee, AL foreclosure data.