Mobile County, AL: Home-Insurance Distress & Forced-Sale Pressure
Mobile County, AL: 92/100 (severe) home-insurance distress; Mobile, AL band HIGH; Mobile, AL #66 of 3,222 counties; Mobile, AL #2 of 67 in Alabama.
FEMA hazard, Mobile, AL: 96/100; Mobile, AL declarations, three years: 6; Mobile, AL perils: 6 hurricane; Mobile, AL five-year count 3 (severity 4.5); Mobile, AL ten-year 3; hazard-weighted, Mobile, AL: 30.0.
Declared incidents on the Mobile, AL record: 2026 Hurricane 2; 2024 Hurricane 2 (Mobile, AL).
NFIP claims, Mobile, AL, three years: 40; Mobile, AL payouts $1,017,964; per Mobile, AL claim $25,449; Mobile, AL claim-stress 88/100.
Mobile, AL monthly score rose, 83 (March 2026) to 90 (October 2026); Mobile, AL by month: March 83, April 83, May 81, June 81 (Mobile, AL), July 79, August 80, September 86, October 90.
Mobile, AL components: climate 92, NFIP claims 88; Mobile, AL retreat index 90.
Construction distress, Mobile, AL: 66/100 as of August 2026 (Mobile, AL: 38/100 one-to-four unit, 100/100 multifamily).
Mobile, AL ZIPs, June 2026 (Mobile, AL, 16 highest): score 0 (Mobile, AL), climate 98 (Mobile, AL): 36505, 36509, 36512, 36521, Mobile, AL 36523, 36525, 36528, 36541, Mobile, AL 36544, 36560, 36568, 36571, Mobile, AL 36572, 36575, 36582, 36587.
DLRadar rescores Mobile, AL monthly; Mobile, AL readings join Mobile, AL foreclosure, lien and ownership parcels (Mobile, AL), so cost-squeezed Mobile, AL owners surface before listing.
Inside Alabama, Mobile County ranks 2nd of 67 counties for home-insurance distress at 92/100; Baldwin County (94/100) sits just above Mobile County, and Escambia County (88/100) sits just below Mobile County.
Deterministic. Every Mobile County, AL signal traces to a public Mobile dataset (FEMA, NFIP, Census for Mobile, AL) · how insurance distress works in Mobile, AL · methodology
FAQ: Mobile County, AL insurance distress
What is the Mobile County, AL home-insurance-distress score?
Mobile, AL: 92/100 (HIGH), #66 of 3,222, #2 in Alabama. FEMA hazard, Mobile, AL: 96/100; NFIP stress, Mobile, AL: 88/100; construction, Mobile, AL: 66/100; Mobile, AL rescores monthly.
Is Mobile County insurance distress getting better or worse (AL)?
Mobile, AL: 83 in March 2026; Mobile, AL: 90 in October 2026 (worse); Mobile, AL climate component 92; Mobile, AL NFIP claims score 88.
How many flood-insurance claims has Mobile County, AL had?
Mobile, AL: 40 NFIP claims, three years; Mobile, AL paid $1,017,964; per Mobile, AL claim $25,449; carriers reprice Mobile, AL against that record.
Which Mobile County ZIP codes carry the most insurance distress (AL)?
Mobile, AL, June 2026: 36505 at 0, 36509 at 0, 36512 at 0, 36521 at 0; Mobile, AL climate scores there: 98, 98, 98, 98.
Why does Mobile, AL insurance distress create sellers?
A Mobile, AL premium outruns the Mobile, AL budget; a carrier leaves Mobile, AL; Mobile, AL carrying cost passes plan; Mobile, AL owners sell while current; Mobile, AL insurance distress leads Mobile, AL foreclosure data.