Houston County, AL: Home-Insurance Distress & Forced-Sale Pressure
Houston County, AL: 86/100 (severe) home-insurance distress; Houston, AL band HIGH; Houston, AL #205 of 3,222 counties; Houston, AL #5 of 67 in Alabama; raw Houston, AL 77.8.
FEMA hazard, Houston, AL: 87/100; Houston, AL declarations, three years: 2; Houston, AL perils: 3 hurricane; Houston, AL five-year count 3 (severity 4.5); Houston, AL ten-year 3; hazard-weighted, Houston, AL: 10.0.
Declared incidents on the Houston, AL record: 2024 Hurricane 2 (Houston, AL).
NFIP claims, Houston, AL, three years: 15; Houston, AL payouts $441,146; per Houston, AL claim $29,410; Houston, AL claim-stress 84/100.
Houston, AL monthly score fell, 84 (March 2026) to 78 (October 2026); Houston, AL by month: March 84, April 84, May 81, June 81 (Houston, AL), July 80, August 81, September 86, October 78.
Houston, AL components: climate 73, NFIP claims 84; Houston, AL retreat index 78.
Construction distress, Houston, AL: 21/100 as of August 2026 (Houston, AL: 32/100 one-to-four unit, 1/100 multifamily).
Houston, AL ZIPs, June 2026 (Houston, AL, 14 highest): score 0 (Houston, AL), climate 86 (Houston, AL): 36312, 36320, 36321, 36343, Houston, AL 36370, 36376; score 0 (Houston, AL), climate 85 (Houston, AL): 36301; score 0 (Houston, AL), climate 84 (Houston, AL): 36303; score 0 (Houston, AL), climate 76 (Houston, AL): 36352; score 0 (Houston, AL), climate 73 (Houston, AL): 36305; score 0 (Houston, AL), climate 63 (Houston, AL): 36350; score 0 (Houston, AL), climate 56 (Houston, AL): 36319, 36375; score 0 (Houston, AL), climate 42 (Houston, AL): 36345.
DLRadar rescores Houston, AL monthly; Houston, AL readings join Houston, AL foreclosure, lien and ownership parcels (Houston, AL), so cost-squeezed Houston, AL owners surface before listing.
Inside Alabama, Houston County ranks 5th of 67 counties for home-insurance distress at 86/100; Russell County (87/100) sits just above Houston County, and Talladega County (85/100) sits just below Houston County.
Deterministic. Every Houston County, AL signal traces to a public Houston dataset (FEMA, NFIP, Census for Houston, AL) · how insurance distress works in Houston, AL · methodology
FAQ: Houston County, AL insurance distress
What is the Houston County, AL home-insurance-distress score?
Houston, AL: 86/100 (HIGH), #205 of 3,222, #5 in Alabama. FEMA hazard, Houston, AL: 87/100; NFIP stress, Houston, AL: 84/100; construction, Houston, AL: 21/100; Houston, AL rescores monthly.
Is Houston County insurance distress getting better or worse (AL)?
Houston, AL: 84 in March 2026; Houston, AL: 78 in October 2026 (better); Houston, AL climate component 73; Houston, AL NFIP claims score 84.
How many flood-insurance claims has Houston County, AL had?
Houston, AL: 15 NFIP claims, three years; Houston, AL paid $441,146; per Houston, AL claim $29,410; carriers reprice Houston, AL against that record.
Which Houston County ZIP codes carry the most insurance distress (AL)?
Houston, AL, June 2026: 36312 at 0, 36320 at 0, 36321 at 0, 36343 at 0; Houston, AL climate scores there: 86, 86, 86, 86.
Why does Houston, AL insurance distress create sellers?
A Houston, AL premium outruns the Houston, AL budget; a carrier leaves Houston, AL; Houston, AL carrying cost passes plan; Houston, AL owners sell while current; Houston, AL insurance distress leads Houston, AL foreclosure data.