Fayette County, AL: Home-Insurance Distress & Forced-Sale Pressure
Fayette County, AL: 44/100 (moderate) home-insurance distress; Fayette, AL band MEDIUM; Fayette, AL #1,247 of 3,222 counties; Fayette, AL #51 of 67 in Alabama; raw Fayette, AL 52.0; Fayette, AL coverage multiplier 0.85.
FEMA hazard, Fayette, AL: 87/100; Fayette, AL declarations, three years: 3; Fayette, AL perils: 3 hurricane; Fayette, AL five-year count 3 (severity 4.5); Fayette, AL ten-year 3; hazard-weighted, Fayette, AL: 15.0.
Declared incidents on the Fayette, AL record: 2024 Hurricane 2 (Fayette, AL).
NFIP claims, Fayette, AL, three years: none; Fayette, AL claim-stress 0/100.
Fayette, AL monthly score fell, 43 (March 2026) to 38 (October 2026); Fayette, AL by month: March 43, April 43, May 40, June 40 (Fayette, AL), July 39, August 40, September 45, October 38.
Fayette, AL components: climate 74; Fayette, AL retreat index 38; Fayette, AL climate multiplier 0.85.
Construction distress, Fayette, AL: 23/100 as of August 2026 (Fayette, AL: 24/100 one-to-four unit, 7/100 multifamily).
Fayette, AL ZIPs, June 2026 (Fayette, AL, 10 highest): score 0 (Fayette, AL), climate 65 (Fayette, AL): 35546; score 0 (Fayette, AL), climate 58 (Fayette, AL): 35563; score 0 (Fayette, AL), climate 56 (Fayette, AL): 35549; score 0 (Fayette, AL), climate 51 (Fayette, AL): 35554; score 0 (Fayette, AL), climate 48 (Fayette, AL): 35594; score 0 (Fayette, AL), climate 37 (Fayette, AL): 35555; score 0 (Fayette, AL), climate 34 (Fayette, AL): 35542, 35545, 35559; score 0 (Fayette, AL), climate 32 (Fayette, AL): 35574.
DLRadar rescores Fayette, AL monthly; Fayette, AL readings join Fayette, AL foreclosure, lien and ownership parcels (Fayette, AL), so cost-squeezed Fayette, AL owners surface before listing.
Inside Alabama, Fayette County ranks 51st of 67 counties for home-insurance distress at 44/100; Dekalb County (44/100) sits just above Fayette County, and Franklin County (44/100) sits just below Fayette County.
Deterministic. Every Fayette County, AL signal traces to a public Fayette dataset (FEMA, NFIP, Census for Fayette, AL) · how insurance distress works in Fayette, AL · methodology
FAQ: Fayette County, AL insurance distress
What is the Fayette County, AL home-insurance-distress score?
Fayette, AL: 44/100 (MEDIUM), #1,247 of 3,222, #51 in Alabama. FEMA hazard, Fayette, AL: 87/100; NFIP stress, Fayette, AL: 0/100; construction, Fayette, AL: 23/100; Fayette, AL rescores monthly.
Is Fayette County insurance distress getting better or worse (AL)?
Fayette, AL: 43 in March 2026; Fayette, AL: 38 in October 2026 (better); Fayette, AL climate component 74.
Which Fayette County ZIP codes carry the most insurance distress (AL)?
Fayette, AL, June 2026: 35546 at 0, 35563 at 0, 35549 at 0, 35554 at 0; Fayette, AL climate scores there: 65, 58, 56, 51.
Why does Fayette, AL insurance distress create sellers?
A Fayette, AL premium outruns the Fayette, AL budget; a carrier leaves Fayette, AL; Fayette, AL carrying cost passes plan; Fayette, AL owners sell while current; Fayette, AL insurance distress leads Fayette, AL foreclosure data.