Escambia County, AL: Home-Insurance Distress & Forced-Sale Pressure
Escambia County, AL: 88/100 (severe) home-insurance distress; Escambia, AL band HIGH; Escambia, AL #136 of 3,222 counties; Escambia, AL #3 of 67 in Alabama.
FEMA hazard, Escambia, AL: 96/100; Escambia, AL declarations, three years: 6; Escambia, AL perils: 6 hurricane; Escambia, AL five-year count 3 (severity 4.5); Escambia, AL ten-year 3; hazard-weighted, Escambia, AL: 30.0.
Declared incidents on the Escambia, AL record: 2026 Hurricane 2; 2024 Hurricane 2 (Escambia, AL).
NFIP claims, Escambia, AL, three years: 4; Escambia, AL payouts $160,465; per Escambia, AL claim $40,116; Escambia, AL claim-stress 78/100.
Escambia, AL monthly score rose, 82 (March 2026) to 86 (October 2026); Escambia, AL by month: March 82, April 82, May 79, June 79 (Escambia, AL), July 78, August 79, September 84, October 86.
Escambia, AL components: climate 92, NFIP claims 78; Escambia, AL retreat index 86.
Construction distress, Escambia, AL: 38/100 as of August 2026 (Escambia, AL: 37/100 one-to-four unit, 15/100 multifamily).
Escambia, AL ZIPs, June 2026 (Escambia, AL, 10 highest): score 0 (Escambia, AL), climate 96 (Escambia, AL): 36562; score 0 (Escambia, AL), climate 81 (Escambia, AL): 36441, 36503, 36543; score 0 (Escambia, AL), climate 80 (Escambia, AL): 36483; score 0 (Escambia, AL), climate 79 (Escambia, AL): 36420, 36426; score 0 (Escambia, AL), climate 78 (Escambia, AL): 36502; score 0 (Escambia, AL), climate 39 (Escambia, AL): 36432; score 0 (Escambia, AL), climate 26 (Escambia, AL): 36401.
DLRadar rescores Escambia, AL monthly; Escambia, AL readings join Escambia, AL foreclosure, lien and ownership parcels (Escambia, AL), so cost-squeezed Escambia, AL owners surface before listing.
Inside Alabama, Escambia County ranks 3rd of 67 counties for home-insurance distress at 88/100; Mobile County (92/100) sits just above Escambia County, and Russell County (87/100) sits just below Escambia County.
Deterministic. Every Escambia County, AL signal traces to a public Escambia dataset (FEMA, NFIP, Census for Escambia, AL) · how insurance distress works in Escambia, AL · methodology
FAQ: Escambia County, AL insurance distress
What is the Escambia County, AL home-insurance-distress score?
Escambia, AL: 88/100 (HIGH), #136 of 3,222, #3 in Alabama. FEMA hazard, Escambia, AL: 96/100; NFIP stress, Escambia, AL: 78/100; construction, Escambia, AL: 38/100; Escambia, AL rescores monthly.
Is Escambia County insurance distress getting better or worse (AL)?
Escambia, AL: 82 in March 2026; Escambia, AL: 86 in October 2026 (worse); Escambia, AL climate component 92; Escambia, AL NFIP claims score 78.
How many flood-insurance claims has Escambia County, AL had?
Escambia, AL: 4 NFIP claims, three years; Escambia, AL paid $160,465; per Escambia, AL claim $40,116; carriers reprice Escambia, AL against that record.
Which Escambia County ZIP codes carry the most insurance distress (AL)?
Escambia, AL, June 2026: 36562 at 0, 36441 at 0, 36503 at 0, 36543 at 0; Escambia, AL climate scores there: 96, 81, 81, 81.
Why does Escambia, AL insurance distress create sellers?
A Escambia, AL premium outruns the Escambia, AL budget; a carrier leaves Escambia, AL; Escambia, AL carrying cost passes plan; Escambia, AL owners sell while current; Escambia, AL insurance distress leads Escambia, AL foreclosure data.