Jefferson County, AL: Home-Insurance Distress & Forced-Sale Pressure
Jefferson County, AL: 82/100 (severe) home-insurance distress; Jefferson, AL band HIGH; Jefferson, AL #296 of 3,222 counties; Jefferson, AL #11 of 67 in Alabama.
FEMA hazard, Jefferson, AL: 87/100; Jefferson, AL declarations, three years: 3; Jefferson, AL perils: 3 hurricane; Jefferson, AL five-year count 3 (severity 4.5); Jefferson, AL ten-year 3; hazard-weighted, Jefferson, AL: 15.0.
Declared incidents on the Jefferson, AL record: 2024 Hurricane 3 (Jefferson, AL).
NFIP claims, Jefferson, AL, three years: 21; Jefferson, AL payouts $126,960; per Jefferson, AL claim $6,046; Jefferson, AL claim-stress 75/100.
Jefferson, AL monthly score fell, 80 (March 2026) to 74 (October 2026); Jefferson, AL by month: March 80, April 80, May 78, June 78 (Jefferson, AL), July 76, August 77, September 83, October 74.
Jefferson, AL components: climate 73, NFIP claims 75; Jefferson, AL retreat index 74.
Construction distress, Jefferson, AL: 8/100 as of August 2026 (Jefferson, AL: 53/100 one-to-four unit, 0/100 multifamily).
Jefferson, AL ZIPs, June 2026 (Jefferson, AL, 16 highest): score 0 (Jefferson, AL), climate 97 (Jefferson, AL): 35005, 35006, 35020, 35022, Jefferson, AL 35023, 35036, 35060, 35061, Jefferson, AL 35064, 35068, 35071, 35073, Jefferson, AL 35091, 35116, 35117, 35118.
DLRadar rescores Jefferson, AL monthly; Jefferson, AL readings join Jefferson, AL foreclosure, lien and ownership parcels (Jefferson, AL), so cost-squeezed Jefferson, AL owners surface before listing.
Inside Alabama, Jefferson County ranks 11th of 67 counties for home-insurance distress at 82/100; Lee County (83/100) sits just above Jefferson County, and Calhoun County (82/100) sits just below Jefferson County.
Deterministic. Every Jefferson County, AL signal traces to a public Jefferson dataset (FEMA, NFIP, Census for Jefferson, AL) · how insurance distress works in Jefferson, AL · methodology
FAQ: Jefferson County, AL insurance distress
What is the Jefferson County, AL home-insurance-distress score?
Jefferson, AL: 82/100 (HIGH), #296 of 3,222, #11 in Alabama. FEMA hazard, Jefferson, AL: 87/100; NFIP stress, Jefferson, AL: 75/100; construction, Jefferson, AL: 8/100; Jefferson, AL rescores monthly.
Is Jefferson County insurance distress getting better or worse (AL)?
Jefferson, AL: 80 in March 2026; Jefferson, AL: 74 in October 2026 (better); Jefferson, AL climate component 73; Jefferson, AL NFIP claims score 75.
How many flood-insurance claims has Jefferson County, AL had?
Jefferson, AL: 21 NFIP claims, three years; Jefferson, AL paid $126,960; per Jefferson, AL claim $6,046; carriers reprice Jefferson, AL against that record.
Which Jefferson County ZIP codes carry the most insurance distress (AL)?
Jefferson, AL, June 2026: 35005 at 0, 35006 at 0, 35020 at 0, 35022 at 0; Jefferson, AL climate scores there: 97, 97, 97, 97.
Why does Jefferson, AL insurance distress create sellers?
A Jefferson, AL premium outruns the Jefferson, AL budget; a carrier leaves Jefferson, AL; Jefferson, AL carrying cost passes plan; Jefferson, AL owners sell while current; Jefferson, AL insurance distress leads Jefferson, AL foreclosure data.