Colbert County, AL: Home-Insurance Distress & Forced-Sale Pressure
Colbert County, AL: 80/100 (severe) home-insurance distress; Colbert, AL band MEDIUM; Colbert, AL #363 of 3,222 counties; Colbert, AL #17 of 67 in Alabama; raw Colbert, AL 71.8.
FEMA hazard, Colbert, AL: 87/100; Colbert, AL declarations, three years: 2; Colbert, AL perils: 3 hurricane; Colbert, AL five-year count 6 (severity 7.5); Colbert, AL ten-year 6; hazard-weighted, Colbert, AL: 10.0.
Declared incidents on the Colbert, AL record: 2024 Hurricane 2; 2023 Severe Storm 3 (Colbert, AL).
NFIP claims, Colbert, AL, three years: 5; Colbert, AL payouts $57,555; per Colbert, AL claim $11,511; Colbert, AL claim-stress 69/100.
Colbert, AL monthly score fell, 78 (March 2026) to 72 (October 2026); Colbert, AL by month: March 78, April 78, May 75, June 75 (Colbert, AL), July 73, August 74, September 80, October 72.
Colbert, AL components: climate 73, NFIP claims 69; Colbert, AL retreat index 72.
Construction distress, Colbert, AL: 57/100 as of August 2026 (Colbert, AL: 65/100 one-to-four unit, 0/100 multifamily).
Colbert, AL ZIPs, June 2026 (Colbert, AL, 9 highest): score 0 (Colbert, AL), climate 79 (Colbert, AL): 35616, 35646, 35660, 35661, Colbert, AL 35674; score 0 (Colbert, AL), climate 66 (Colbert, AL): 35672; score 0 (Colbert, AL), climate 65 (Colbert, AL): 35653; score 0 (Colbert, AL), climate 63 (Colbert, AL): 35654; score 0 (Colbert, AL), climate 33 (Colbert, AL): 38852.
DLRadar rescores Colbert, AL monthly; Colbert, AL readings join Colbert, AL foreclosure, lien and ownership parcels (Colbert, AL), so cost-squeezed Colbert, AL owners surface before listing.
Inside Alabama, Colbert County ranks 17th of 67 counties for home-insurance distress at 80/100; Cherokee County (80/100) sits just above Colbert County, and Dallas County (80/100) sits just below Colbert County.
Deterministic. Every Colbert County, AL signal traces to a public Colbert dataset (FEMA, NFIP, Census for Colbert, AL) · how insurance distress works in Colbert, AL · methodology
FAQ: Colbert County, AL insurance distress
What is the Colbert County, AL home-insurance-distress score?
Colbert, AL: 80/100 (MEDIUM), #363 of 3,222, #17 in Alabama. FEMA hazard, Colbert, AL: 87/100; NFIP stress, Colbert, AL: 69/100; construction, Colbert, AL: 57/100; Colbert, AL rescores monthly.
Is Colbert County insurance distress getting better or worse (AL)?
Colbert, AL: 78 in March 2026; Colbert, AL: 72 in October 2026 (better); Colbert, AL climate component 73; Colbert, AL NFIP claims score 69.
How many flood-insurance claims has Colbert County, AL had?
Colbert, AL: 5 NFIP claims, three years; Colbert, AL paid $57,555; per Colbert, AL claim $11,511; carriers reprice Colbert, AL against that record.
Which Colbert County ZIP codes carry the most insurance distress (AL)?
Colbert, AL, June 2026: 35616 at 0, 35646 at 0, 35660 at 0, 35661 at 0; Colbert, AL climate scores there: 79, 79, 79, 79.
Why does Colbert, AL insurance distress create sellers?
A Colbert, AL premium outruns the Colbert, AL budget; a carrier leaves Colbert, AL; Colbert, AL carrying cost passes plan; Colbert, AL owners sell while current; Colbert, AL insurance distress leads Colbert, AL foreclosure data.