Bandera County, TX: Home-Insurance Distress & Forced-Sale Pressure
Bandera County, TX: 73/100 (severe) home-insurance distress; Bandera, TX band MEDIUM; Bandera, TX #558 of 3,222 counties; Bandera, TX #54 of 254 in Texas.
FEMA hazard, Bandera, TX: 68/100; Bandera, TX declarations, three years: 4; Bandera, TX perils: 4 flood; hazard-weighted, Bandera, TX: 8.0.
Declared incidents on the Bandera, TX record: 2026 Flood 6 (Bandera, TX).
NFIP claims, Bandera, TX, three years: 3; Bandera, TX payouts $204,384; per Bandera, TX claim $68,128; Bandera, TX claim-stress 80/100.
Bandera, TX monthly score rose, 0 (March 2026) to 78 (October 2026); Bandera, TX by month: March 0, April 0, May 0, June 0 (Bandera, TX), July 27, August 26, September 36, October 78.
Bandera, TX components: climate 78, NFIP claims 80; Bandera, TX retreat index 78.
Construction distress, Bandera, TX: 85/100 as of August 2026 (Bandera, TX: 88/100 one-to-four unit, 7/100 multifamily).
Bandera, TX ZIPs, June 2026 (Bandera, TX, 7 highest): score 0 (Bandera, TX), climate 94 (Bandera, TX): 78023; score 0 (Bandera, TX), climate 63 (Bandera, TX): 78884; score 0 (Bandera, TX), climate 61 (Bandera, TX): 78003, 78055, 78063, 78883, Bandera, TX 78885.
DLRadar rescores Bandera, TX monthly; Bandera, TX readings join Bandera, TX foreclosure, lien and ownership parcels (Bandera, TX), so cost-squeezed Bandera, TX owners surface before listing.
Inside Texas, Bandera County ranks 54th of 254 counties for home-insurance distress at 73/100; Upshur County (73/100) sits just above Bandera County, and Cass County (73/100) sits just below Bandera County.
Deterministic. Every Bandera County, TX signal traces to a public Bandera dataset (FEMA, NFIP, Census for Bandera, TX) · how insurance distress works in Bandera, TX · methodology
FAQ: Bandera County, TX insurance distress
What is the Bandera County, TX home-insurance-distress score?
Bandera, TX: 73/100 (MEDIUM), #558 of 3,222, #54 in Texas. FEMA hazard, Bandera, TX: 68/100; NFIP stress, Bandera, TX: 80/100; construction, Bandera, TX: 85/100; Bandera, TX rescores monthly.
Is Bandera County insurance distress getting better or worse (TX)?
Bandera, TX: 0 in March 2026; Bandera, TX: 78 in October 2026 (worse); Bandera, TX climate component 78; Bandera, TX NFIP claims score 80.
How many flood-insurance claims has Bandera County, TX had?
Bandera, TX: 3 NFIP claims, three years; Bandera, TX paid $204,384; per Bandera, TX claim $68,128; carriers reprice Bandera, TX against that record.
Which Bandera County ZIP codes carry the most insurance distress (TX)?
Bandera, TX, June 2026: 78023 at 0, 78884 at 0, 78003 at 0, 78055 at 0; Bandera, TX climate scores there: 94, 63, 61, 61.
Why does Bandera, TX insurance distress create sellers?
A Bandera, TX premium outruns the Bandera, TX budget; a carrier leaves Bandera, TX; Bandera, TX carrying cost passes plan; Bandera, TX owners sell while current; Bandera, TX insurance distress leads Bandera, TX foreclosure data.