Baylor County, TX: Home-Insurance Distress & Forced-Sale Pressure
Baylor County, TX: 27/100 (moderate) home-insurance distress; Baylor, TX band LOW; Baylor, TX #1,809 of 3,222 counties; Baylor, TX #152 of 254 in Texas; raw Baylor, TX 31.2; Baylor, TX coverage multiplier 0.85.
FEMA hazard, Baylor, TX: 52/100; Baylor, TX declarations, three years: 2; Baylor, TX perils: 2 flood; Baylor, TX five-year count 2 (severity 3.0); Baylor, TX ten-year 2; hazard-weighted, Baylor, TX: 4.0.
Declared incidents on the Baylor, TX record: 2024 Flood 2 (Baylor, TX).
NFIP claims, Baylor, TX, three years: none; Baylor, TX claim-stress 0/100.
Baylor, TX monthly score fell, 30 (March 2026) to 26 (October 2026); Baylor, TX by month: March 30, April 30, May 30, June 30 (Baylor, TX), July 27, August 26, September 27, October 26.
Baylor, TX components: climate 52; Baylor, TX retreat index 26; Baylor, TX climate multiplier 0.85.
Construction distress, Baylor, TX: 0/100 as of August 2026 (Baylor, TX: 0/100 one-to-four unit, 0/100 multifamily).
Baylor, TX ZIPs, June 2026 (Baylor, TX, 2 highest): score 0 (Baylor, TX), climate 58 (Baylor, TX): 76360; score 0 (Baylor, TX), climate 14 (Baylor, TX): 76380.
DLRadar rescores Baylor, TX monthly; Baylor, TX readings join Baylor, TX foreclosure, lien and ownership parcels (Baylor, TX), so cost-squeezed Baylor, TX owners surface before listing.
Inside Texas, Baylor County ranks 152nd of 254 counties for home-insurance distress at 27/100; Bailey County (27/100) sits just above Baylor County, and Brewster County (27/100) sits just below Baylor County.
Deterministic. Every Baylor County, TX signal traces to a public Baylor dataset (FEMA, NFIP, Census for Baylor, TX) · how insurance distress works in Baylor, TX · methodology
FAQ: Baylor County, TX insurance distress
What is the Baylor County, TX home-insurance-distress score?
Baylor, TX: 27/100 (LOW), #1,809 of 3,222, #152 in Texas. FEMA hazard, Baylor, TX: 52/100; NFIP stress, Baylor, TX: 0/100; construction, Baylor, TX: 0/100; Baylor, TX rescores monthly.
Is Baylor County insurance distress getting better or worse (TX)?
Baylor, TX: 30 in March 2026; Baylor, TX: 26 in October 2026 (better); Baylor, TX climate component 52.
Which Baylor County ZIP codes carry the most insurance distress (TX)?
Baylor, TX, June 2026: 76360 at 0, 76380 at 0; Baylor, TX climate scores there: 58, 14.
Why does Baylor, TX insurance distress create sellers?
A Baylor, TX premium outruns the Baylor, TX budget; a carrier leaves Baylor, TX; Baylor, TX carrying cost passes plan; Baylor, TX owners sell while current; Baylor, TX insurance distress leads Baylor, TX foreclosure data.