Montgomery County, AL: Home-Insurance Distress & Forced-Sale Pressure
Montgomery County, AL: 84/100 (severe) home-insurance distress; Montgomery, AL band HIGH; Montgomery, AL #241 of 3,222 counties; Montgomery, AL #8 of 67 in Alabama.
FEMA hazard, Montgomery, AL: 87/100; Montgomery, AL declarations, three years: 3; Montgomery, AL perils: 3 hurricane; Montgomery, AL five-year count 3 (severity 4.5); Montgomery, AL ten-year 3; hazard-weighted, Montgomery, AL: 15.0.
Declared incidents on the Montgomery, AL record: 2024 Hurricane 2 (Montgomery, AL).
NFIP claims, Montgomery, AL, three years: 12; Montgomery, AL payouts $264,911; per Montgomery, AL claim $22,076; Montgomery, AL claim-stress 80/100.
Montgomery, AL monthly score fell, 83 (March 2026) to 76 (October 2026); Montgomery, AL by month: March 83, April 83, May 80, June 80 (Montgomery, AL), July 79, August 80, September 85, October 76.
Montgomery, AL components: climate 73, NFIP claims 80; Montgomery, AL retreat index 76.
Construction distress, Montgomery, AL: 45/100 as of August 2026 (Montgomery, AL: 37/100 one-to-four unit, 100/100 multifamily).
Montgomery, AL ZIPs, June 2026 (Montgomery, AL, 16 highest): score 0 (Montgomery, AL), climate 91 (Montgomery, AL): 36013, 36057, 36064, 36101, Montgomery, AL 36104, 36105, 36106, 36107, Montgomery, AL 36108, 36109, 36110, 36111, Montgomery, AL 36112, 36113, 36114, 36115.
DLRadar rescores Montgomery, AL monthly; Montgomery, AL readings join Montgomery, AL foreclosure, lien and ownership parcels (Montgomery, AL), so cost-squeezed Montgomery, AL owners surface before listing.
Inside Alabama, Montgomery County ranks 8th of 67 counties for home-insurance distress at 84/100; Madison County (85/100) sits just above Montgomery County, and Lawrence County (84/100) sits just below Montgomery County.
Deterministic. Every Montgomery County, AL signal traces to a public Montgomery dataset (FEMA, NFIP, Census for Montgomery, AL) · how insurance distress works in Montgomery, AL · methodology
FAQ: Montgomery County, AL insurance distress
What is the Montgomery County, AL home-insurance-distress score?
Montgomery, AL: 84/100 (HIGH), #241 of 3,222, #8 in Alabama. FEMA hazard, Montgomery, AL: 87/100; NFIP stress, Montgomery, AL: 80/100; construction, Montgomery, AL: 45/100; Montgomery, AL rescores monthly.
Is Montgomery County insurance distress getting better or worse (AL)?
Montgomery, AL: 83 in March 2026; Montgomery, AL: 76 in October 2026 (better); Montgomery, AL climate component 73; Montgomery, AL NFIP claims score 80.
How many flood-insurance claims has Montgomery County, AL had?
Montgomery, AL: 12 NFIP claims, three years; Montgomery, AL paid $264,911; per Montgomery, AL claim $22,076; carriers reprice Montgomery, AL against that record.
Which Montgomery County ZIP codes carry the most insurance distress (AL)?
Montgomery, AL, June 2026: 36013 at 0, 36057 at 0, 36064 at 0, 36101 at 0; Montgomery, AL climate scores there: 91, 91, 91, 91.
Why does Montgomery, AL insurance distress create sellers?
A Montgomery, AL premium outruns the Montgomery, AL budget; a carrier leaves Montgomery, AL; Montgomery, AL carrying cost passes plan; Montgomery, AL owners sell while current; Montgomery, AL insurance distress leads Montgomery, AL foreclosure data.