Cullman County, AL: Home-Insurance Distress & Forced-Sale Pressure
Cullman County, AL: 44/100 (moderate) home-insurance distress; Cullman, AL band MEDIUM; Cullman, AL #1,244 of 3,222 counties; Cullman, AL #48 of 67 in Alabama; Cullman, AL coverage multiplier 0.85.
FEMA hazard, Cullman, AL: 87/100; Cullman, AL declarations, three years: 2; Cullman, AL perils: 3 hurricane; Cullman, AL five-year count 3 (severity 4.5); Cullman, AL ten-year 3; hazard-weighted, Cullman, AL: 10.0.
Declared incidents on the Cullman, AL record: 2024 Hurricane 2 (Cullman, AL).
NFIP claims, Cullman, AL, three years: none; Cullman, AL claim-stress 0/100.
Cullman, AL monthly score fell, 43 (March 2026) to 37 (October 2026); Cullman, AL by month: March 43, April 43, May 40, June 40 (Cullman, AL), July 39, August 40, September 45, October 37.
Cullman, AL components: climate 73; Cullman, AL retreat index 37; Cullman, AL climate multiplier 0.85.
Construction distress, Cullman, AL: 0/100 as of August 2026 (Cullman, AL: 0/100 one-to-four unit, 0/100 multifamily).
Cullman, AL ZIPs, June 2026 (Cullman, AL, 16 highest): score 0 (Cullman, AL), climate 88 (Cullman, AL): 35621; score 0 (Cullman, AL), climate 87 (Cullman, AL): 35622; score 0 (Cullman, AL), climate 84 (Cullman, AL): 35976; score 0 (Cullman, AL), climate 83 (Cullman, AL): 35016, 35087; score 0 (Cullman, AL), climate 82 (Cullman, AL): 35019; score 0 (Cullman, AL), climate 79 (Cullman, AL): 35033, 35055, 35057, 35058, Cullman, AL 35070, 35077, 35083; score 0 (Cullman, AL), climate 78 (Cullman, AL): 35179; score 0 (Cullman, AL), climate 77 (Cullman, AL): 35053; score 0 (Cullman, AL), climate 75 (Cullman, AL): 35098.
DLRadar rescores Cullman, AL monthly; Cullman, AL readings join Cullman, AL foreclosure, lien and ownership parcels (Cullman, AL), so cost-squeezed Cullman, AL owners surface before listing.
Inside Alabama, Cullman County ranks 48th of 67 counties for home-insurance distress at 44/100; Crenshaw County (44/100) sits just above Cullman County, and Dale County (44/100) sits just below Cullman County.
Deterministic. Every Cullman County, AL signal traces to a public Cullman dataset (FEMA, NFIP, Census for Cullman, AL) · how insurance distress works in Cullman, AL · methodology
FAQ: Cullman County, AL insurance distress
What is the Cullman County, AL home-insurance-distress score?
Cullman, AL: 44/100 (MEDIUM), #1,244 of 3,222, #48 in Alabama. FEMA hazard, Cullman, AL: 87/100; NFIP stress, Cullman, AL: 0/100; construction, Cullman, AL: 0/100; Cullman, AL rescores monthly.
Is Cullman County insurance distress getting better or worse (AL)?
Cullman, AL: 43 in March 2026; Cullman, AL: 37 in October 2026 (better); Cullman, AL climate component 73.
Which Cullman County ZIP codes carry the most insurance distress (AL)?
Cullman, AL, June 2026: 35621 at 0, 35622 at 0, 35976 at 0, 35016 at 0; Cullman, AL climate scores there: 88, 87, 84, 83.
Why does Cullman, AL insurance distress create sellers?
A Cullman, AL premium outruns the Cullman, AL budget; a carrier leaves Cullman, AL; Cullman, AL carrying cost passes plan; Cullman, AL owners sell while current; Cullman, AL insurance distress leads Cullman, AL foreclosure data.