Texas Home-Insurance Distress by County

Texas reads moderate but rising in pockets for home-insurance distress — an average county score of 38/100, 18th-highest of 52 states and territories. All 254 Texas counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

Over three years, Texas counties recorded 7,195 NFIP flood claims totaling $320,032,623 paid — the loss history insurers convert into higher premiums the next renewal.

For Texas, the practical value is early identification — coverage-pressured owners surface here before they appear in any foreclosure feed, county by county down the list.

53 of Texas's 254 counties carry a severe insurance-distress score of 70 or higher — where coverage is hardest to keep and carrying cost, not the mortgage, is the sale trigger.

The Texas average is a starting filter; because insurance distress clusters, the counties at the top of the table below are where owner behavior actually shifts, and where DLRadar focuses parcel-level tracking.

The Texas numbers refresh monthly as FEMA hazard revisions, new NFIP claim settlements and carrier filings arrive, so the state's 38/100 average and county ranking reflect the current renewal environment rather than a stale historical read.

The Texas insurance-distress score is a composite rather than a single premium figure: it blends FEMA physical-hazard exposure, NFIP flood-claim history, and a carrier-pressure proxy that captures where insurers are raising rates or declining to renew, so a county can rank high on hazard yet moderate on realized losses, or the reverse.

DLRadar treats the Texas insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

The sharpest pressure concentrates in Montgomery County (95/100, #21 nationally) and San Jacinto County. Every Texas county appears in the ranked table below, each linking to its own report.

Behind the state number sit an average FEMA hazard score of 43/100 and average NFIP flood-claim stress of 35/100, the hazard basis insurers use to reprice Texas coverage.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. So in Texas you can find the owners whose breaking point is the insurance bill, before they list.