Monroe County, AL: Home-Insurance Distress & Forced-Sale Pressure
Monroe County, AL: 44/100 (moderate) home-insurance distress; Monroe, AL band MEDIUM; Monroe, AL #1,254 of 3,222 counties; Monroe, AL #58 of 67 in Alabama; raw Monroe, AL 52.0; Monroe, AL coverage multiplier 0.85.
FEMA hazard, Monroe, AL: 87/100; Monroe, AL declarations, three years: 3; Monroe, AL perils: 3 hurricane; Monroe, AL five-year count 3 (severity 4.5); Monroe, AL ten-year 3; hazard-weighted, Monroe, AL: 15.0.
Declared incidents on the Monroe, AL record: 2024 Hurricane 2 (Monroe, AL).
NFIP claims, Monroe, AL, three years: none; Monroe, AL claim-stress 0/100.
Monroe, AL monthly score fell, 43 (March 2026) to 38 (October 2026); Monroe, AL by month: March 43, April 43, May 40, June 40 (Monroe, AL), July 39, August 40, September 45, October 38.
Monroe, AL components: climate 74; Monroe, AL retreat index 38; Monroe, AL climate multiplier 0.85.
Construction distress, Monroe, AL: 73/100 as of August 2026 (Monroe, AL: 96/100 one-to-four unit, 68/100 multifamily).
Monroe, AL ZIPs, June 2026 (Monroe, AL, 16 highest): score 0 (Monroe, AL), climate 78 (Monroe, AL): 36502; score 0 (Monroe, AL), climate 49 (Monroe, AL): 36482; score 0 (Monroe, AL), climate 42 (Monroe, AL): 36425, 36439, 36444, 36445, Monroe, AL 36460, 36470, 36480, 36481; score 0 (Monroe, AL), climate 41 (Monroe, AL): 36471, 36751; score 0 (Monroe, AL), climate 38 (Monroe, AL): 36033; score 0 (Monroe, AL), climate 33 (Monroe, AL): 36768; score 0 (Monroe, AL), climate 29 (Monroe, AL): 36726; score 0 (Monroe, AL), climate 27 (Monroe, AL): 36475.
DLRadar rescores Monroe, AL monthly; Monroe, AL readings join Monroe, AL foreclosure, lien and ownership parcels (Monroe, AL), so cost-squeezed Monroe, AL owners surface before listing.
Inside Alabama, Monroe County ranks 58th of 67 counties for home-insurance distress at 44/100; Marion County (44/100) sits just above Monroe County, and Morgan County (44/100) sits just below Monroe County.
Deterministic. Every Monroe County, AL signal traces to a public Monroe dataset (FEMA, NFIP, Census for Monroe, AL) · how insurance distress works in Monroe, AL · methodology
FAQ: Monroe County, AL insurance distress
What is the Monroe County, AL home-insurance-distress score?
Monroe, AL: 44/100 (MEDIUM), #1,254 of 3,222, #58 in Alabama. FEMA hazard, Monroe, AL: 87/100; NFIP stress, Monroe, AL: 0/100; construction, Monroe, AL: 73/100; Monroe, AL rescores monthly.
Is Monroe County insurance distress getting better or worse (AL)?
Monroe, AL: 43 in March 2026; Monroe, AL: 38 in October 2026 (better); Monroe, AL climate component 74.
Which Monroe County ZIP codes carry the most insurance distress (AL)?
Monroe, AL, June 2026: 36502 at 0, 36482 at 0, 36425 at 0, 36439 at 0; Monroe, AL climate scores there: 78, 49, 42, 42.
Why does Monroe, AL insurance distress create sellers?
A Monroe, AL premium outruns the Monroe, AL budget; a carrier leaves Monroe, AL; Monroe, AL carrying cost passes plan; Monroe, AL owners sell while current; Monroe, AL insurance distress leads Monroe, AL foreclosure data.