Lawrence County, AL: Home-Insurance Distress & Forced-Sale Pressure
Lawrence County, AL: 84/100 (severe) home-insurance distress; Lawrence, AL band HIGH; Lawrence, AL #246 of 3,222 counties; Lawrence, AL #9 of 67 in Alabama.
FEMA hazard, Lawrence, AL: 87/100; Lawrence, AL declarations, three years: 3; Lawrence, AL perils: 3 hurricane; Lawrence, AL five-year count 3 (severity 4.5); Lawrence, AL ten-year 3; hazard-weighted, Lawrence, AL: 15.0.
Declared incidents on the Lawrence, AL record: 2024 Hurricane 3 (Lawrence, AL).
NFIP claims, Lawrence, AL, three years: 8; Lawrence, AL payouts $227,403; per Lawrence, AL claim $28,425; Lawrence, AL claim-stress 80/100.
Lawrence, AL monthly score fell, 83 (March 2026) to 76 (October 2026); Lawrence, AL by month: March 83, April 83, May 80, June 80 (Lawrence, AL), July 78, August 79, September 85, October 76.
Lawrence, AL components: climate 73, NFIP claims 80; Lawrence, AL retreat index 76.
Construction distress, Lawrence, AL: 41/100 as of August 2026 (Lawrence, AL: 42/100 one-to-four unit, 0/100 multifamily).
Lawrence, AL ZIPs, June 2026 (Lawrence, AL, 10 highest): score 0 (Lawrence, AL), climate 88 (Lawrence, AL): 35603; score 0 (Lawrence, AL), climate 73 (Lawrence, AL): 35619; score 0 (Lawrence, AL), climate 72 (Lawrence, AL): 35673; score 0 (Lawrence, AL), climate 66 (Lawrence, AL): 35672; score 0 (Lawrence, AL), climate 65 (Lawrence, AL): 35618, 35643, 35650, 35651; score 0 (Lawrence, AL), climate 63 (Lawrence, AL): 35654; score 0 (Lawrence, AL), climate 57 (Lawrence, AL): 35565.
DLRadar rescores Lawrence, AL monthly; Lawrence, AL readings join Lawrence, AL foreclosure, lien and ownership parcels (Lawrence, AL), so cost-squeezed Lawrence, AL owners surface before listing.
Inside Alabama, Lawrence County ranks 9th of 67 counties for home-insurance distress at 84/100; Montgomery County (84/100) sits just above Lawrence County, and Lee County (83/100) sits just below Lawrence County.
Deterministic. Every Lawrence County, AL signal traces to a public Lawrence dataset (FEMA, NFIP, Census for Lawrence, AL) · how insurance distress works in Lawrence, AL · methodology
FAQ: Lawrence County, AL insurance distress
What is the Lawrence County, AL home-insurance-distress score?
Lawrence, AL: 84/100 (HIGH), #246 of 3,222, #9 in Alabama. FEMA hazard, Lawrence, AL: 87/100; NFIP stress, Lawrence, AL: 80/100; construction, Lawrence, AL: 41/100; Lawrence, AL rescores monthly.
Is Lawrence County insurance distress getting better or worse (AL)?
Lawrence, AL: 83 in March 2026; Lawrence, AL: 76 in October 2026 (better); Lawrence, AL climate component 73; Lawrence, AL NFIP claims score 80.
How many flood-insurance claims has Lawrence County, AL had?
Lawrence, AL: 8 NFIP claims, three years; Lawrence, AL paid $227,403; per Lawrence, AL claim $28,425; carriers reprice Lawrence, AL against that record.
Which Lawrence County ZIP codes carry the most insurance distress (AL)?
Lawrence, AL, June 2026: 35603 at 0, 35619 at 0, 35673 at 0, 35672 at 0; Lawrence, AL climate scores there: 88, 73, 72, 66.
Why does Lawrence, AL insurance distress create sellers?
A Lawrence, AL premium outruns the Lawrence, AL budget; a carrier leaves Lawrence, AL; Lawrence, AL carrying cost passes plan; Lawrence, AL owners sell while current; Lawrence, AL insurance distress leads Lawrence, AL foreclosure data.