Sumter County, AL: Home-Insurance Distress & Forced-Sale Pressure
Sumter County, AL: 44/100 (moderate) home-insurance distress; Sumter, AL band MEDIUM; Sumter, AL #1,259 of 3,222 counties; Sumter, AL #63 of 67 in Alabama; raw Sumter, AL 52.0; Sumter, AL coverage multiplier 0.85.
FEMA hazard, Sumter, AL: 87/100; Sumter, AL declarations, three years: 3; Sumter, AL perils: 3 hurricane; Sumter, AL five-year count 3 (severity 4.5); Sumter, AL ten-year 3; hazard-weighted, Sumter, AL: 15.0.
Declared incidents on the Sumter, AL record: 2024 Hurricane 3 (Sumter, AL).
NFIP claims, Sumter, AL, three years: none; Sumter, AL claim-stress 0/100.
Sumter, AL monthly score fell, 43 (March 2026) to 37 (October 2026); Sumter, AL by month: March 43, April 43, May 40, June 40 (Sumter, AL), July 39, August 40, September 45, October 37.
Sumter, AL components: climate 73; Sumter, AL retreat index 37; Sumter, AL climate multiplier 0.85.
Construction distress, Sumter, AL: 0/100 as of August 2026 (Sumter, AL: 0/100 one-to-four unit, 0/100 multifamily).
Sumter, AL ZIPs, June 2026 (Sumter, AL, 11 highest): score 0 (Sumter, AL), climate 65 (Sumter, AL): 36912; score 0 (Sumter, AL), climate 55 (Sumter, AL): 36922; score 0 (Sumter, AL), climate 44 (Sumter, AL): 35459, 35460, 35470, 35477, Sumter, AL 36901, 36907, 36925; score 0 (Sumter, AL), climate 42 (Sumter, AL): 35464; score 0 (Sumter, AL), climate 38 (Sumter, AL): 35442.
DLRadar rescores Sumter, AL monthly; Sumter, AL readings join Sumter, AL foreclosure, lien and ownership parcels (Sumter, AL), so cost-squeezed Sumter, AL owners surface before listing.
Inside Alabama, Sumter County ranks 63rd of 67 counties for home-insurance distress at 44/100; Randolph County (44/100) sits just above Sumter County, and Tallapoosa County (44/100) sits just below Sumter County.
Deterministic. Every Sumter County, AL signal traces to a public Sumter dataset (FEMA, NFIP, Census for Sumter, AL) · how insurance distress works in Sumter, AL · methodology
FAQ: Sumter County, AL insurance distress
What is the Sumter County, AL home-insurance-distress score?
Sumter, AL: 44/100 (MEDIUM), #1,259 of 3,222, #63 in Alabama. FEMA hazard, Sumter, AL: 87/100; NFIP stress, Sumter, AL: 0/100; construction, Sumter, AL: 0/100; Sumter, AL rescores monthly.
Is Sumter County insurance distress getting better or worse (AL)?
Sumter, AL: 43 in March 2026; Sumter, AL: 37 in October 2026 (better); Sumter, AL climate component 73.
Which Sumter County ZIP codes carry the most insurance distress (AL)?
Sumter, AL, June 2026: 36912 at 0, 36922 at 0, 35459 at 0, 35460 at 0; Sumter, AL climate scores there: 65, 55, 44, 44.
Why does Sumter, AL insurance distress create sellers?
A Sumter, AL premium outruns the Sumter, AL budget; a carrier leaves Sumter, AL; Sumter, AL carrying cost passes plan; Sumter, AL owners sell while current; Sumter, AL insurance distress leads Sumter, AL foreclosure data.