Alpena County, MI: Home-Insurance Distress & Forced-Sale Pressure
Alpena County, MI: 56/100 (elevated) home-insurance distress; Alpena, MI band MEDIUM; Alpena, MI #981 of 3,222 counties; Alpena, MI #26 of 83 in Michigan.
FEMA hazard, Alpena, MI: 52/100; Alpena, MI declarations, three years: 4; Alpena, MI perils: 2 flood; Alpena, MI five-year count 2 (severity 4.0); Alpena, MI ten-year 2; hazard-weighted, Alpena, MI: 4.0.
Declared incidents on the Alpena, MI record: 2026 Flood 3; 2025 Severe Ice Storm 3 (Alpena, MI).
NFIP claims, Alpena, MI, three years: 2; Alpena, MI payouts $26,047; per Alpena, MI claim $13,024; Alpena, MI claim-stress 63/100.
Alpena, MI monthly score rose, 0 (March 2026) to 61 (October 2026); Alpena, MI by month: March 0, April 0, May 7, June 7 (Alpena, MI), July 40, August 39, September 39, October 61.
Alpena, MI components: climate 60, NFIP claims 63; Alpena, MI retreat index 61.
Construction distress, Alpena, MI: 25/100 as of August 2026 (Alpena, MI: 47/100 one-to-four unit, 0/100 multifamily).
Alpena, MI ZIPs, June 2026 (Alpena, MI, 8 highest): score 0 (Alpena, MI), climate 25 (Alpena, MI): 49707, 49744, 49753, 49766; score 0 (Alpena, MI), climate 20 (Alpena, MI): 49747, 49776; score 0 (Alpena, MI), climate 16 (Alpena, MI): 48762; score 0 (Alpena, MI), climate 15 (Alpena, MI): 49746.
DLRadar rescores Alpena, MI monthly; Alpena, MI readings join Alpena, MI foreclosure, lien and ownership parcels (Alpena, MI), so cost-squeezed Alpena, MI owners surface before listing.
Inside Michigan, Alpena County ranks 26th of 83 counties for home-insurance distress at 56/100; Barry County (57/100) sits just above Alpena County, and Emmet County (56/100) sits just below Alpena County.
Deterministic. Every Alpena County, MI signal traces to a public Alpena dataset (FEMA, NFIP, Census for Alpena, MI) · how insurance distress works in Alpena, MI · methodology
FAQ: Alpena County, MI insurance distress
What is the Alpena County, MI home-insurance-distress score?
Alpena, MI: 56/100 (MEDIUM), #981 of 3,222, #26 in Michigan. FEMA hazard, Alpena, MI: 52/100; NFIP stress, Alpena, MI: 63/100; construction, Alpena, MI: 25/100; Alpena, MI rescores monthly.
Is Alpena County insurance distress getting better or worse (MI)?
Alpena, MI: 0 in March 2026; Alpena, MI: 61 in October 2026 (worse); Alpena, MI climate component 60; Alpena, MI NFIP claims score 63.
How many flood-insurance claims has Alpena County, MI had?
Alpena, MI: 2 NFIP claims, three years; Alpena, MI paid $26,047; per Alpena, MI claim $13,024; carriers reprice Alpena, MI against that record.
Which Alpena County ZIP codes carry the most insurance distress (MI)?
Alpena, MI, June 2026: 49707 at 0, 49744 at 0, 49753 at 0, 49766 at 0; Alpena, MI climate scores there: 25, 25, 25, 25.
Why does Alpena, MI insurance distress create sellers?
A Alpena, MI premium outruns the Alpena, MI budget; a carrier leaves Alpena, MI; Alpena, MI carrying cost passes plan; Alpena, MI owners sell while current; Alpena, MI insurance distress leads Alpena, MI foreclosure data.