Texas Home-Insurance Distress by County

Texas reads moderate for home-insurance distress — 254 counties averaging 43/100, 18th of 52 states.

78 of Texas's 254 counties score 70 or higher (severe).

Texas's reading rests on a FEMA hazard average of 49/100 and NFIP flood-claim stress of 38/100.

Over three years Texas counties filed 7,794 NFIP flood claims, $343,476,647 paid.

Highest in Texas: Montgomery County 96/100 (#22 US), San Jacinto County 95/100 (#42 US), Cameron County 94/100 (#51 US), Walker County 94/100 (#59 US), Liberty County 94/100 (#60 US).

Texas counties by insurance band: 83 medium (Texas), 68 zero, 56 low, 47 high; Texas NFIP claims, three years: 7,794; Texas payouts $343.5 million.

Texas counties with the most NFIP claims: Harris 1,889 ($56.5 million); Cameron 1,191 ($89.1 million); Galveston 806 ($13.4 million) in Texas; Montgomery 549 ($38.2 million); Hidalgo 473 ($24.8 million).

Texas county average rose: 35.8 in March 2026; Texas reads 39.6 in October 2026; Texas by month: March 35.8, April 35.8, May 36.8 (Texas), June 36.8, July 38.0, August 38.3 (Texas), September 38.6, October 39.6.

Highest Texas ZIPs, insurance distress: 33955 81 (climate 94), 34224 81 (climate 94) in Texas, 14867 58 (climate 75), 33972 47 (climate 99) in Texas, 33971 47 (climate 99), 33905 47 (climate 99) in Texas.

Reading the Texas bands: 47 of 254 Texas counties sit in a high or worse insurance band; Texas filed 7,794 NFIP claims in three years, $343.5 million paid to Texas policyholders; a Texas county's band moves when FEMA hazard revisions, new Texas NFIP settlements or carrier filings change its monthly score.