Texas County Foreclosure & Distress Reports (2026)
One report per county — 254 in Texas — each scored 0-100 from public foreclosure, tax-lien, mortgage and bank-stress records and refreshed monthly. The live county pages sit under the Texas distress hub; insurance pressure is on the Texas home-insurance page.
254 Texas county reports sit in this archive; Texas opportunity phases run 83 weak, 58 early_signal, 53 peak_opportunity; Texas ninety-day delinquency 1.2%; 352 banks chartered in Texas; 158,055 HUD-assisted Texas units.
Texas counties to open first by opportunity rank: Mcculloch (#6, strong_buy); Kinney (#11, strong_buy); Jim Wells (#16, strong_buy) in Texas; Robertson (#20, strong_buy); Kleberg (#28, strong_buy); Hutchinson (#30, strong_buy).
Texas insurance bands across counties: 83 medium in Texas, 68 zero, 56 low, 47 high; Texas NFIP claims 7,794 in three years.
Texas counties in the peak phase (198): Anderson, Andrews, Angelina, Aransas, Archer, Armstrong (Texas), Bailey, Baylor, Bee, Blanco, Borden, Brewster (Texas), Briscoe, Brooks, Brown, Burnet, Calhoun, Camp (Texas), Carson, Cass, Castro, Cherokee, Childress, Clay (Texas), Coke, Coleman, Collin, Collingsworth, Colorado, Comanche (Texas), Concho, Cooke, Cottle, Crane, Crockett, Culberson (Texas), Dallam, Dallas, Dawson, Deaf Smith, Delta, Denton (Texas), Dewitt, Dickens, Dimmit, Donley, Duval, Eastland (Texas), Edwards, Ellis, El Paso, Erath, Fannin, Fayette (Texas), Fisher, Floyd, Foard, Franklin, Freestone, Frio (Texas), Gaines, Gillespie, Glasscock, Gonzales, Gray, Grimes (Texas), Hale, Hall, Hamilton, Hansford, Hardeman, Hardin (Texas), Hartley, Haskell, Hemphill, Henderson, Hill, Hood (Texas), Hopkins, Houston, Howard, Hudspeth, Hunt, Hutchinson (Texas), Irion, Jack, Jackson, Jasper, Jeff Davis, Jefferson (Texas), Jim Hogg, Jim Wells, Johnson, Karnes, Kaufman, Kenedy (Texas), Kent, Kerr, Kimble, King, Kinney, Kleberg (Texas), Knox, Lamar, Lamb, La Salle, Lavaca, Lee (Texas), Leon, Limestone, Lipscomb, Live Oak, Llano, Loving (Texas), Madison, Marion, Mason, Matagorda, Maverick, Mcculloch (Texas), Mcmullen, Menard, Milam, Mills, Mitchell, Montague (Texas), Moore, Morris, Motley, Nacogdoches, Navarro, Newton (Texas), Nolan, Nueces, Ochiltree, Oldham, Orange, Palo Pinto (Texas), Panola, Parker, Parmer, Pecos, Polk, Potter (Texas), Presidio, Rains, Randall, Reagan, Real, Red River (Texas), Reeves, Refugio, Roberts, Rockwall, Runnels, Sabine (Texas), San Augustine, San Patricio, San Saba, Schleicher, Scurry, Shackelford (Texas), Shelby, Sherman, Somervell, Starr, Stephens, Sterling (Texas), Stonewall, Sutton, Swisher, Tarrant, Terrell, Terry (Texas), Throckmorton, Titus, Tom Green, Trinity, Tyler, Upton (Texas), Uvalde, Val Verde, Van Zandt, Walker, Ward, Washington (Texas), Wharton, Wheeler, Wichita, Wilbarger, Willacy, Winkler (Texas), Wise, Wood, Yoakum, Young, Zapata, Zavala.
Texas counties in the contraction phase (18): Atascosa, Bandera, Bastrop, Bexar, Brazos, Burleson (Texas), Caldwell, Comal, Ector, Grayson, Guadalupe, Hays (Texas), Kendall, Medina, Robertson, Travis, Williamson, Wilson.
Texas counties in the neutral phase (17): Bosque, Bowie, Cameron, Cochran, Crosby, Falls (Texas), Garza, Goliad, Hockley, Lubbock, Lynn, Martin (Texas), Mclennan, Midland, Smith, Victoria, Webb.
Texas counties in the recovery phase (17): Austin, Bell, Brazoria, Chambers, Coryell, Fort Bend (Texas), Galveston, Gregg, Harris, Harrison, Lampasas, Liberty (Texas), Montgomery, Rusk, San Jacinto, Upshur, Waller.
Texas counties in the expansion phase (4): Callahan, Hidalgo, Jones, Taylor.
Texas permitted 194,751 housing units in twelve months; 1,135,699 Texas units sit vacant of 12,128,515.
Texas counties highest on the national opportunity index: Mcculloch #6 (43.4/100, strong_buy); Kinney #11 (42.8/100, strong_buy); Jim Wells #16 (41.0/100, strong_buy) in Texas; Robertson #20 (40.3/100, strong_buy); Kleberg #28 (39.5/100, strong_buy); Hutchinson #30 (39.4/100, strong_buy) in Texas; Bee #33 (39.2/100, strong_buy); Houston #44 (38.7/100, strong_buy); Lampasas #47 (38.6/100, strong_buy) in Texas; Duval #63 (38.1/100, strong_buy); Brooks #67 (38.0/100, strong_buy); Jasper #78 (37.8/100, strong_buy) in Texas.
How the Texas county reports are scored: each Texas report reads its county's foreclosure filings, Texas tax-lien and tax-deed records, FHA mortgage delinquency in Texas (ninety-day rate 1.2%, December 2025), the FDIC stress of Texas lenders (352 chartered in Texas) and FEMA/NFIP pressure on Texas (7,794 NFIP claims, three years), then scores every Texas ZIP 0-100.
Mcculloch County leads Texas on the opportunity index at #6 nationally with 7 scored ZIPs. Every Texas report is rebuilt monthly from public records; a Texas county whose data lapses keeps its Texas page and says so.