Covington County, AL: Home-Insurance Distress & Forced-Sale Pressure
Covington County, AL: 44/100 (moderate) home-insurance distress; Covington, AL band MEDIUM; Covington, AL #1,242 of 3,222 counties; Covington, AL #46 of 67 in Alabama; raw Covington, AL 52.0; Covington, AL coverage multiplier 0.85.
FEMA hazard, Covington, AL: 87/100; Covington, AL declarations, three years: 3; Covington, AL perils: 3 hurricane; Covington, AL five-year count 3 (severity 4.5); Covington, AL ten-year 3; hazard-weighted, Covington, AL: 15.0.
Declared incidents on the Covington, AL record: 2024 Hurricane 3 (Covington, AL).
NFIP claims, Covington, AL, three years: none; Covington, AL claim-stress 0/100.
Covington, AL monthly score fell, 43 (March 2026) to 37 (October 2026); Covington, AL by month: March 43, April 43, May 40, June 40 (Covington, AL), July 39, August 40, September 45, October 37.
Covington, AL components: climate 73; Covington, AL retreat index 37; Covington, AL climate multiplier 0.85.
Construction distress, Covington, AL: 23/100 as of August 2026 (Covington, AL: 23/100 one-to-four unit, 24/100 multifamily).
Covington, AL ZIPs, June 2026 (Covington, AL, 13 highest): score 0 (Covington, AL), climate 80 (Covington, AL): 36483; score 0 (Covington, AL), climate 79 (Covington, AL): 36038, 36420, 36442, 36455, Covington, AL 36467, 36476; score 0 (Covington, AL), climate 70 (Covington, AL): 36421; score 0 (Covington, AL), climate 68 (Covington, AL): 36453; score 0 (Covington, AL), climate 66 (Covington, AL): 36474; score 0 (Covington, AL), climate 59 (Covington, AL): 36028; score 0 (Covington, AL), climate 51 (Covington, AL): 36477; score 0 (Covington, AL), climate 34 (Covington, AL): 36456.
DLRadar rescores Covington, AL monthly; Covington, AL readings join Covington, AL foreclosure, lien and ownership parcels (Covington, AL), so cost-squeezed Covington, AL owners surface before listing.
Inside Alabama, Covington County ranks 46th of 67 counties for home-insurance distress at 44/100; Coosa County (44/100) sits just above Covington County, and Crenshaw County (44/100) sits just below Covington County.
Deterministic. Every Covington County, AL signal traces to a public Covington dataset (FEMA, NFIP, Census for Covington, AL) · how insurance distress works in Covington, AL · methodology
FAQ: Covington County, AL insurance distress
What is the Covington County, AL home-insurance-distress score?
Covington, AL: 44/100 (MEDIUM), #1,242 of 3,222, #46 in Alabama. FEMA hazard, Covington, AL: 87/100; NFIP stress, Covington, AL: 0/100; construction, Covington, AL: 23/100; Covington, AL rescores monthly.
Is Covington County insurance distress getting better or worse (AL)?
Covington, AL: 43 in March 2026; Covington, AL: 37 in October 2026 (better); Covington, AL climate component 73.
Which Covington County ZIP codes carry the most insurance distress (AL)?
Covington, AL, June 2026: 36483 at 0, 36038 at 0, 36420 at 0, 36442 at 0; Covington, AL climate scores there: 80, 79, 79, 79.
Why does Covington, AL insurance distress create sellers?
A Covington, AL premium outruns the Covington, AL budget; a carrier leaves Covington, AL; Covington, AL carrying cost passes plan; Covington, AL owners sell while current; Covington, AL insurance distress leads Covington, AL foreclosure data.