Alameda County, CA: Home-Insurance Distress & Forced-Sale Pressure
Alameda County, CA: 30/100 (moderate) home-insurance distress; Alameda, CA band LOW; Alameda, CA #1,621 of 3,222 counties; Alameda, CA #23 of 58 in California; raw Alameda, CA 34.8; Alameda, CA coverage multiplier 0.85.
FEMA hazard, Alameda, CA: 0/100; Alameda, CA declarations, three years: none; Alameda, CA five-year count 3 (severity 3.0); Alameda, CA ten-year 3.
Declared incidents on the Alameda, CA record: 2023 Severe Storm 3 (Alameda, CA).
NFIP claims, Alameda, CA, three years: 8; Alameda, CA payouts $538,539; per Alameda, CA claim $67,317; Alameda, CA claim-stress 87/100.
Alameda, CA monthly score: 30 in every month from March 2026 (Alameda, CA) through October 2026.
Alameda, CA components: NFIP claims 87; Alameda, CA retreat index 30; Alameda, CA climate multiplier 0.85.
Construction distress, Alameda, CA: 0/100 as of August 2026 (Alameda, CA: 16/100 one-to-four unit, 0/100 multifamily).
Alameda, CA ZIPs, June 2026 (Alameda, CA, 16 highest): score 0 (Alameda, CA), climate 100 (Alameda, CA): 94501, 94502, 94505, 94514, Alameda, CA 94536, 94538, 94539, 94541, Alameda, CA 94542, 94544, 94545, 94546, Alameda, CA 94550, 94551, 94552, 94555.
DLRadar rescores Alameda, CA monthly; Alameda, CA readings join Alameda, CA foreclosure, lien and ownership parcels (Alameda, CA), so cost-squeezed Alameda, CA owners surface before listing.
Inside California, Alameda County ranks 23rd of 58 counties for home-insurance distress at 30/100; Sonoma County (30/100) sits just above Alameda County, and Orange County (29/100) sits just below Alameda County.
Deterministic. Every Alameda County, CA signal traces to a public Alameda dataset (FEMA, NFIP, Census for Alameda, CA) · how insurance distress works in Alameda, CA · methodology
FAQ: Alameda County, CA insurance distress
What is the Alameda County, CA home-insurance-distress score?
Alameda, CA: 30/100 (LOW), #1,621 of 3,222, #23 in California. FEMA hazard, Alameda, CA: 0/100; NFIP stress, Alameda, CA: 87/100; construction, Alameda, CA: 0/100; Alameda, CA rescores monthly.
Is Alameda County insurance distress getting better or worse (CA)?
Alameda, CA: 30 in March 2026; Alameda, CA: 30 in October 2026 (unchanged); Alameda, CA NFIP claims score 87.
How many flood-insurance claims has Alameda County, CA had?
Alameda, CA: 8 NFIP claims, three years; Alameda, CA paid $538,539; per Alameda, CA claim $67,317; carriers reprice Alameda, CA against that record.
Which Alameda County ZIP codes carry the most insurance distress (CA)?
Alameda, CA, June 2026: 94501 at 0, 94502 at 0, 94505 at 0, 94514 at 0; Alameda, CA climate scores there: 100, 100, 100, 100.
Why does Alameda, CA insurance distress create sellers?
A Alameda, CA premium outruns the Alameda, CA budget; a carrier leaves Alameda, CA; Alameda, CA carrying cost passes plan; Alameda, CA owners sell while current; Alameda, CA insurance distress leads Alameda, CA foreclosure data.