Elmore County, AL: Home-Insurance Distress & Forced-Sale Pressure
Elmore County, AL: 81/100 (severe) home-insurance distress; Elmore, AL band HIGH; Elmore, AL #323 of 3,222 counties; Elmore, AL #13 of 67 in Alabama; raw Elmore, AL 73.0.
FEMA hazard, Elmore, AL: 87/100; Elmore, AL declarations, three years: 2; Elmore, AL perils: 3 hurricane; Elmore, AL five-year count 6 (severity 7.5); Elmore, AL ten-year 6; hazard-weighted, Elmore, AL: 10.0.
Declared incidents on the Elmore, AL record: 2024 Hurricane 2; 2023 Severe Storm 3 (Elmore, AL).
NFIP claims, Elmore, AL, three years: 3; Elmore, AL payouts $83,298; per Elmore, AL claim $27,766; Elmore, AL claim-stress 73/100.
Elmore, AL monthly score fell, 80 (March 2026) to 73 (October 2026); Elmore, AL by month: March 80, April 80, May 77, June 77 (Elmore, AL), July 76, August 77, September 82, October 73.
Elmore, AL components: climate 73, NFIP claims 73; Elmore, AL retreat index 73.
Construction distress, Elmore, AL: 34/100 as of August 2026 (Elmore, AL: 34/100 one-to-four unit, 10/100 multifamily).
Elmore, AL ZIPs, June 2026 (Elmore, AL, 13 highest): score 0 (Elmore, AL), climate 74 (Elmore, AL): 36054; score 0 (Elmore, AL), climate 72 (Elmore, AL): 36020, 36024, 36025, 36092, Elmore, AL 36093; score 0 (Elmore, AL), climate 70 (Elmore, AL): 36080; score 0 (Elmore, AL), climate 68 (Elmore, AL): 36078; score 0 (Elmore, AL), climate 66 (Elmore, AL): 36022; score 0 (Elmore, AL), climate 63 (Elmore, AL): 36066; score 0 (Elmore, AL), climate 61 (Elmore, AL): 36051; score 0 (Elmore, AL), climate 55 (Elmore, AL): 35010; score 0 (Elmore, AL), climate 28 (Elmore, AL): 36026.
DLRadar rescores Elmore, AL monthly; Elmore, AL readings join Elmore, AL foreclosure, lien and ownership parcels (Elmore, AL), so cost-squeezed Elmore, AL owners surface before listing.
Inside Alabama, Elmore County ranks 13th of 67 counties for home-insurance distress at 81/100; Calhoun County (82/100) sits just above Elmore County, and Lauderdale County (80/100) sits just below Elmore County.
Deterministic. Every Elmore County, AL signal traces to a public Elmore dataset (FEMA, NFIP, Census for Elmore, AL) · how insurance distress works in Elmore, AL · methodology
FAQ: Elmore County, AL insurance distress
What is the Elmore County, AL home-insurance-distress score?
Elmore, AL: 81/100 (HIGH), #323 of 3,222, #13 in Alabama. FEMA hazard, Elmore, AL: 87/100; NFIP stress, Elmore, AL: 73/100; construction, Elmore, AL: 34/100; Elmore, AL rescores monthly.
Is Elmore County insurance distress getting better or worse (AL)?
Elmore, AL: 80 in March 2026; Elmore, AL: 73 in October 2026 (better); Elmore, AL climate component 73; Elmore, AL NFIP claims score 73.
How many flood-insurance claims has Elmore County, AL had?
Elmore, AL: 3 NFIP claims, three years; Elmore, AL paid $83,298; per Elmore, AL claim $27,766; carriers reprice Elmore, AL against that record.
Which Elmore County ZIP codes carry the most insurance distress (AL)?
Elmore, AL, June 2026: 36054 at 0, 36020 at 0, 36024 at 0, 36025 at 0; Elmore, AL climate scores there: 74, 72, 72, 72.
Why does Elmore, AL insurance distress create sellers?
A Elmore, AL premium outruns the Elmore, AL budget; a carrier leaves Elmore, AL; Elmore, AL carrying cost passes plan; Elmore, AL owners sell while current; Elmore, AL insurance distress leads Elmore, AL foreclosure data.