St. Clair County, AL: Home-Insurance Distress & Forced-Sale Pressure
St. Clair County, AL: 77/100 (severe) home-insurance distress; St. Clair, AL band MEDIUM; St. Clair, AL #458 of 3,222 counties; St. Clair, AL #26 of 67 in Alabama; raw St. Clair, AL 68.7.
FEMA hazard, St. Clair, AL: 87/100; St. Clair, AL declarations, three years: 2; St. Clair, AL perils: 3 hurricane; St. Clair, AL five-year count 3 (severity 4.5); St. Clair, AL ten-year 3; hazard-weighted, St. Clair, AL: 10.0.
Declared incidents on the St. Clair, AL record: 2024 Hurricane 2 (St. Clair, AL).
NFIP claims, St. Clair, AL, three years: 1; St. Clair, AL payouts $23,558; per St. Clair, AL claim $23,558; St. Clair, AL claim-stress 62/100.
St. Clair, AL monthly score fell, 76 (March 2026) to 69 (October 2026); St. Clair, AL by month: March 76, April 76, May 73, June 73 (St. Clair, AL), July 72, August 73, September 78, October 69.
St. Clair, AL components: climate 73, NFIP claims 62; St. Clair, AL retreat index 69.
Construction distress, St. Clair, AL: 55/100 as of August 2026 (St. Clair, AL: 68/100 one-to-four unit, 0/100 multifamily).
St. Clair, AL ZIPs, June 2026 (St. Clair, AL, 16 highest): score 0 (St. Clair, AL), climate 92 (St. Clair, AL): 35094, 35173; score 0 (St. Clair, AL), climate 87 (St. Clair, AL): 35178; score 0 (St. Clair, AL), climate 81 (St. Clair, AL): 35972; score 0 (St. Clair, AL), climate 74 (St. Clair, AL): 35004, 35052, 35054, 35112, St. Clair, AL 35120, 35125, 35128, 35131, St. Clair, AL 35135, 35953, 35987; score 0 (St. Clair, AL), climate 73 (St. Clair, AL): 35146.
DLRadar rescores St. Clair, AL monthly; St. Clair, AL readings join St. Clair, AL foreclosure, lien and ownership parcels (St. Clair, AL), so cost-squeezed St. Clair, AL owners surface before listing.
Inside Alabama, St. Clair County ranks 26th of 67 counties for home-insurance distress at 77/100; Tuscaloosa County (77/100) sits just above St. Clair County, and Limestone County (76/100) sits just below St. Clair County.
Deterministic. Every St. Clair County, AL signal traces to a public St. Clair dataset (FEMA, NFIP, Census for St. Clair, AL) · how insurance distress works in St. Clair, AL · methodology
FAQ: St. Clair County, AL insurance distress
What is the St. Clair County, AL home-insurance-distress score?
St. Clair, AL: 77/100 (MEDIUM), #458 of 3,222, #26 in Alabama. FEMA hazard, St. Clair, AL: 87/100; NFIP stress, St. Clair, AL: 62/100; construction, St. Clair, AL: 55/100; St. Clair, AL rescores monthly.
Is St. Clair County insurance distress getting better or worse (AL)?
St. Clair, AL: 76 in March 2026; St. Clair, AL: 69 in October 2026 (better); St. Clair, AL climate component 73; St. Clair, AL NFIP claims score 62.
How many flood-insurance claims has St. Clair County, AL had?
St. Clair, AL: 1 NFIP claims, three years; St. Clair, AL paid $23,558; per St. Clair, AL claim $23,558; carriers reprice St. Clair, AL against that record.
Which St. Clair County ZIP codes carry the most insurance distress (AL)?
St. Clair, AL, June 2026: 35094 at 0, 35173 at 0, 35178 at 0, 35972 at 0; St. Clair, AL climate scores there: 92, 92, 87, 81.
Why does St. Clair, AL insurance distress create sellers?
A St. Clair, AL premium outruns the St. Clair, AL budget; a carrier leaves St. Clair, AL; St. Clair, AL carrying cost passes plan; St. Clair, AL owners sell while current; St. Clair, AL insurance distress leads St. Clair, AL foreclosure data.