Morgan County, AL: Home-Insurance Distress & Forced-Sale Pressure
Morgan County, AL: 44/100 (moderate) home-insurance distress; Morgan, AL band MEDIUM; Morgan, AL #1,255 of 3,222 counties; Morgan, AL #59 of 67 in Alabama; raw Morgan, AL 52.0; Morgan, AL coverage multiplier 0.85.
FEMA hazard, Morgan, AL: 87/100; Morgan, AL declarations, three years: 3; Morgan, AL perils: 3 hurricane; Morgan, AL five-year count 6 (severity 7.5); Morgan, AL ten-year 6; hazard-weighted, Morgan, AL: 15.0.
Declared incidents on the Morgan, AL record: 2024 Hurricane 3; 2023 Severe Storm 3 (Morgan, AL).
NFIP claims, Morgan, AL, three years: none; Morgan, AL claim-stress 0/100.
Morgan, AL monthly score fell, 43 (March 2026) to 37 (October 2026); Morgan, AL by month: March 43, April 43, May 40, June 40 (Morgan, AL), July 39, August 40, September 45, October 37.
Morgan, AL components: climate 73; Morgan, AL retreat index 37; Morgan, AL climate multiplier 0.85.
Construction distress, Morgan, AL: 0/100 as of August 2026 (Morgan, AL: 0/100 one-to-four unit, 0/100 multifamily).
Morgan, AL ZIPs, June 2026 (Morgan, AL, 16 highest): score 0 (Morgan, AL), climate 88 (Morgan, AL): 35601, 35603, 35621, 35640, Morgan, AL 35670, 35754, 35775; score 0 (Morgan, AL), climate 87 (Morgan, AL): 35622; score 0 (Morgan, AL), climate 86 (Morgan, AL): 35175; score 0 (Morgan, AL), climate 83 (Morgan, AL): 35016, 35087; score 0 (Morgan, AL), climate 82 (Morgan, AL): 35019; score 0 (Morgan, AL), climate 78 (Morgan, AL): 35179; score 0 (Morgan, AL), climate 73 (Morgan, AL): 35619; score 0 (Morgan, AL), climate 72 (Morgan, AL): 35673; score 0 (Morgan, AL), climate 65 (Morgan, AL): 35650.
DLRadar rescores Morgan, AL monthly; Morgan, AL readings join Morgan, AL foreclosure, lien and ownership parcels (Morgan, AL), so cost-squeezed Morgan, AL owners surface before listing.
Inside Alabama, Morgan County ranks 59th of 67 counties for home-insurance distress at 44/100; Monroe County (44/100) sits just above Morgan County, and Perry County (44/100) sits just below Morgan County.
Deterministic. Every Morgan County, AL signal traces to a public Morgan dataset (FEMA, NFIP, Census for Morgan, AL) · how insurance distress works in Morgan, AL · methodology
FAQ: Morgan County, AL insurance distress
What is the Morgan County, AL home-insurance-distress score?
Morgan, AL: 44/100 (MEDIUM), #1,255 of 3,222, #59 in Alabama. FEMA hazard, Morgan, AL: 87/100; NFIP stress, Morgan, AL: 0/100; construction, Morgan, AL: 0/100; Morgan, AL rescores monthly.
Is Morgan County insurance distress getting better or worse (AL)?
Morgan, AL: 43 in March 2026; Morgan, AL: 37 in October 2026 (better); Morgan, AL climate component 73.
Which Morgan County ZIP codes carry the most insurance distress (AL)?
Morgan, AL, June 2026: 35601 at 0, 35603 at 0, 35621 at 0, 35640 at 0; Morgan, AL climate scores there: 88, 88, 88, 88.
Why does Morgan, AL insurance distress create sellers?
A Morgan, AL premium outruns the Morgan, AL budget; a carrier leaves Morgan, AL; Morgan, AL carrying cost passes plan; Morgan, AL owners sell while current; Morgan, AL insurance distress leads Morgan, AL foreclosure data.